Rating based on 53 reviews


  • Instant loans up to R1,000,000
  • Low-interest starting from 3%
  • Repayment up to 12 months

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

Lulalend - Kickstart your business

Lulalend is different from most other loan companies currently in the market as we believe in the power of small business.

We strive for customer service excellence and helping our clients succeed. Our main objective is to support entrepreneurs in South Africa by helping them kick start their business.

When you are looking for a loan to fund your new business we offer instant loans to get you started from R20 000 to R500 000. Contact us to see if you qualify for a free with no commitment quote and let us expand your horizons.

Applying is so simple

Applying couldn’t be easier, simply log onto our website and provide us with a short description of your business and what you are looking for in your online loan application.

We will then review your application and give you an outcome within minutes, so there is no need to stress while waiting in vain to find out if you qualify or not.    

There is no need to complete any paperwork or sit around waiting for our decision. We will notify you within minutes of the outcome of your application whether it is successful or not. 

Our personal loan fees and repayment terms are very simple to understand. We make our contracts simple and don’t try to confuse you with jargon.

We will never make you sign something that you don’t understand or rope you into a contract that you can’t afford.

Quick loan applications

If your application has been approved and you decide to sign the contract that we offer you, we aim to have your loan transferred to you within 2 business days.

To help making paying back your short term loan as easy as possible you will be given up to 6 months to repay your loan in small installments, if your business is in the position of paying back your loan early then you are encouraged to do so and you won’t be charged any penalty fees or early repayment fees.

Paying back your loan

To make the process as easy as possible to understand we have broken the repayments terms into 6 or 12 month plans that are very easy to manage. 

You will pay back either a sixth or twelfth of the instant loan each month. The amount that you pay will depend on which plan you decided to choose.

The Monthly costs are calculated at between 3% - 10% of the loan amount for the first 2 – 4 months.

The rest of the loan will be calculated at 2% for the remaining months.

Our business loan application form is very easy to understand and simple to complete.

This can be completed online that means no need to visit the branch or sit in long queues.

The process is automated so there is no paperwork and our fees are completely transparent.

Lulalend – Instant loan

  • Loan Type Instant loans
  • Interest Rate from 3%
  • Loan Amount up to R1,000,000
  • Repayment 6 months to 12 months

Benefits of Lulalend

  • Instant Cash Loans
  • Business Loans

Instant 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.

Lulalend - Flexible repayment options

You may apply for one of our instant loans online and you will get an immediate outcome on your application, we use the latest technology to make a decision on how your business will perform and if you are able to afford a business loan or not. 

If your application is approved then our easy flexible payment plan will be explained to you and you can decide whether you would like to proceed or not.

Does my business qualify?

Business loans are one of the most difficult loans to have approved as they are far more complex than personal loans or instant cash loans.

You will need to meet certain criteria and show that your business will be successful enough to repay the loan.

If your business gets into trouble and you have problems repaying the loan then you will need to let us know what your contingency plan will be. 

Does your business meet our basic fit criteria?

  • Has your business been operating for at least one year?
  • Does your business earn more than R500 000 per year?
  • Are you a South African citizen?

If you meet our lending criteria then we can help with funding:

  • Funding for purchasing inventory or stock
  • Funding for hiring staff including drivers, managers and any other staff you need to run a successful business
  • Funding for marketing campaigns and advertising (including flyers and adverts)
  • Funding for purchasing tools and equipment essential to your business
  • Funding for remodelling and renovating of your business premises
  • Funding for expanding and opening new locations elsewhere
  • Funding for managing the day to day cash flow and petty cash
  • Funding for handling unexpected expenses and unexpected operational costs

Why you should choose Lulalend to help your business

We strive to grow your small business and believe that these types of businesses are the key to South Africa’s economic success. In business time is money we understand this and make sure that we don’t waste your time if we are unable to assist you and if we are able to assist then we make sure to get your fast loan to you as quickly as possible.

Another reason to choose us is that our contracts are transparent and very easy to understand and there are no hidden fees.

Customer Reviews & Testimonials

November 2018

Lulalend has the best agents; they are always willing to help their customers and go the extra mile.

Veronica W
— Cape Town —

January 2019

The interest rates that I am paying at Lulalend are affordable! Give Lulalend a call today and get your quote.

Ernest Y
— Durban —

Lulalend Contact

Contact Number



Physical Address

  • 1st Floor, 81 Church Street, Cape Town City Center Cape Town Western Cape 8000 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed