Rating based on 65 reviews


  • Instant loans up to R4,000
  • Low-interest starting from 60%
  • Repayment up to 30 days

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

Mulah - Affordable instant loans

Mulah.co.za is your one-stop loan portal for all your financial requirements. We are fast becoming one of South Africa’s leading online loan providers. 

After extensive research, we have developed a great understanding of how the industry operates and how to improve our services.

When you are applying for a loan, you want to receive an outcome on your application very quickly and would ideally like the money available in your account on the very same day.  

We use the latest technology to process your application very quickly and provide you with an outcome almost instantly.

Get the cash you need today  

Once your loan application has been approved the next step is to simply sign the loan agreement and the debit order form. 

The cash will be paid into your bank account on the same day so there is no need to wait. The best part about our instant loans is that the loan only needs to be repaid by your next salary date or within 30 days.

Personalized professional efficient service 

Our small team of financial experts provide personalized professional service that you can trust to our clients.

Our loan service is offered via our online platform so you can apply for a loan any time of the day or night. We have successfully helped thousands of South African clients in their time of need.

Financial help when you need it

There are times in life when you may experience a month where you are finding it difficult to make ends meet and you need a little financial help.

Most personal loans require you to sign a contract that could see you paying back the money over a long period of time and this is seen as a huge financial commitment.

Payday loans, on the other hand, need to be repaid by your next payday so you only need to sign a 30-day contract and won’t be stuck in a long-term loan agreement.

Payday Mulah made easy

When you are finding it difficult to make it through the month look no further than Mulah for that extra money you need to help you.

Our friendly staff are there to help you with any questions you may have in regards to your instant cash loan or clarify any terms that you may not understand.

Using technology to get the most out of your loan experience

Mulah uses the latest technology and offers convenient, handy tools to streamline the loan application process. Use the online loan calculator to figure out your level of affordability.

This will help you determine what your personal loan will cost you and how much you can afford to borrow as well as how long you will need to repay the loan.

Mulah – Instant loan

  • Loan Type Instant loans
  • Interest Rate from 60%
  • Loan Amount up to R4,000
  • Repayment 24 hours to 30 days

Benefits of Mulah

  • Instant Cash Loans
  • Payday Loans
  • Personal 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.

Mulah - Quick and easy loans

The best feature about our Mulah short-term loans is how quick and easy they are to obtain and how quickly the money will be available in your bank account.

We take the stress out of applying as the entire application process can be completed online, you can even sign the loan agreement through our website.

Mastering the lending process

After speaking to our clients and many years of research we have mastered the lending process, we listened to your requests and concerns and then used them to improve our service delivery.

The main concern that was raised throughout our research is how long it takes to apply for and receive a loan when you need it and how difficult it was to apply. So that is the first thing that we addressed. To keep our clients satisfied it only takes 5 minutes to apply for a loan online and there is no paperwork to complete.

We have an online calculator available on our website which will help you determine the amount you can afford to borrow and calculate your final payment amount. A payday loan is over a short term loan contract that needs to be repaid by your next salary.

No hidden fees and transparent contracts

Clients can access the instant loans they need from any device that has an internet connection.  We have sped up the loan application process and our payment procedures to ensure that you get your money as quickly as possible.

Get your cash the same day that your loan application is approved. Our contracts are easy to understand and our interest fees are very competitive. Our clients are always impressed at how quickly they receive their cash and how easy it is to repay their loan.

Be responsible when borrowing money

As it is super simple to obtain a payday loan it is important that you borrow money responsibly and only borrow as much as you can afford to repay without causing yourself financial strain.

Always work wisely within your budget and only apply for the amount you can honestly afford to re-pay by your next payday!

Receive your money on the same day that your fast cash loan application is approved, we are here to help you get the Mulah you need to cover those unexpected bills and settle those account payments.

Customer Reviews & Testimonials

January 2019

Without credit assistance from Mulah, I would have never had the opportunity to attend to my financial emergency.

David P
— Springs —

February 2019

Applying for a loan using the Mulah website is fast, easy and convenient.

Nadia N
— Pietermaritzburg —

January 2019

Thanks to the affordable interest rates I am paying at Mulah, I am still able to pay for my other financial obligations.

Lihle M
— Vanderbijlpark —

Mulah Contact

Physical Address

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

Postal Address

  • P.O Box 99849, Garsfontein East, 0060, South Africa

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