Rating based on 41 reviews


  • Loans bad credit up to R4,000
  • Low-interest starting from 38%
  • Repayment up to 30 days

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Mulah homepage
Author Mulah. Screenshot of Mulah website.
[Accessed January 5, 2021]

Mulah - Reliable bad credit loans

For passion and enthusiasm about your loan, you’ve found the winning company! Mulah has a team of dynamic and ambitious individuals who are driven by assisting others with quick loans when they need it the most.

We have embraced the needs of our fellow South Africans in the economy we all live in and aim to serve their financial needs one at a time until they are completely debt-free!

Quick online loans

Our quick, short-term, online cash loans leave you with peace of mind that you and your loved ones are taken care of.

No one feels like paperwork when faced with a financial emergency, so we tossed that idea and decided to allow for convenient uploads on our website while applying.

Say goodbye to standing in queues and hello to online sliding scale tools that help you determine your instalments and affordability within seconds.

It’s so easy to apply for a bad credit loan on Mulah’s user-friendly website. We have everything you need right in front of you, and when you submit your loan application, you will receive a response the very same day.

Fast loan solutions

When you’re young, cash flow is as important as it is somewhat non-existent. Don’t let this get you down. Mulah wants to get you on your feet and help you resolve your cash flow issues with our affordable bad credit loans.

You can find a variety of short-term loan options that will see you avoiding any debt traps as a result. Our aim is to ensure your affordability of the loan and that you can fully repay the loan before you sign.

Straight-forward loans

Instant loans will help you solve your cash emergency and also give you a fair opportunity to repay it. Our terms and conditions are pretty straight-forward so no need to panic over any complicated, technical jargon.

When you apply with Mulah you get money in the shortest possible time! Which is perfect, since you need it immediately! With a help of a loan calculator, you can easily determine your monthly instalment.

Don’t look for any surprises because you won’t find any! All you need is a small list of documents and personal details for us to do the necessary checks, and you will pay a fixed rate of interest with our payday loans which makes budgeting a dream!

Mulah – Bad credit loan

  • Loan Type Loans bad credit
  • Interest Rate from 38%
  • Loan Amount up to R4,000
  • Repayment 24 hours to 30 days

Benefits of Mulah

  • Queries answered in minutes online
  • Safe and secure loans with ease
  • Up to R4000 payday loans

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

We all have dry spells when it comes to our finances, let Mulah hydrate your bank account

Mulah’s first and foremost goal is to offer finance that even the youth have access to in this country through the help of short-term loans.

Our youth need cash often more so than anyone, yet they struggle with traditional institutions due to the lack of credit they have and their age and working situation.

We understand this problem and try to make all our loans as affordable as possible and as simple as possible.

Find us online and trust that you’re being looked after, you don’t have to just take our word for it, we are fully compliant with the National Credit Regulator and have customer reviews who will testament to that!

Bad credit loans

Did you just go to the ATM and see zeros? Not the good kind where a bunch follow the first number either. It’s awkward if you have a date tonight and you can’t afford to cover your portion of the bill.

Most people might panic, but with Mulah’s same day payouts for bad credit loans, you can be sure that your date will be calling you for a second one after tonight because you’ll be covering both meals with your quick and instant loan.

The only time you need to repay the loan is when you get paid. Mulah respects everyone, so it doesn’t matter who you are, where you come from and what you need the money for. We just want you to have a world-class experience.

Mulah saves you time and money

Due to online technology, Mulah is able to save you time and bring you ultimate convenience. It’s quick and straight-forward form and requirements leave all our users with a feeling of comfort and trust that they are using the right provider and that their information is secure. Time is money, and we save it at from the beginning right through to the end.

When you’re short on money, the main to do is stay on top of your finances, the next thing is to make sure you’re saving it once you’ve resolved your cash emergency. That way you can keep your credit score in check.

Don’t fall behind on any payments and settle early where you can for the best outcome relating to your finances. You have up to 30 days to repay the short term loan, which is more than enough time!

Let Mulah do the work, while you reap the rewards for all those unexpected cash emergencies.

Customer Reviews & Testimonials

February 2019

Using the calculator to check out your loan payments makes it simple and easy to apply with the company.

Sarah J
— Port Elizabeth —

April 2019

Simple and easy loan to apply for when you use the application online it doesn’t take more than 10 Minutes and you are completed.

Simon G
— Cape Town —

December 2018

I was notified within a few hours that my loan had been approved with sms from the company.

Sam P
— Johannesburg —

Mulah Contact

Physical Address

  • Block A, Waterkloof Rand Corporate Park 358 Buffelsdrift Rd, Erasmusrand Pretoria Gauteng 0181 South Africa
  • Get Directions

Opening Hours

  • Monday 08:30 – 16:00
  • Tuesday 08:30 – 16:00
  • Wednesday 08:30 – 16:00
  • Thursday 08:30 – 16:00
  • Friday 08:30 – 16:00
  • Saturday – Closed
  • Sunday – Closed