Rating based on 81 reviews


  • Personal loans up to R1,000,000
  • Low-interest starting from 28%
  • Repayment up to 10 years

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Lulalend homepage
Author Lulalend. Screenshot of Lulalend website.
[Accessed May 13, 2018]

Lulalend - We give power to small businesses

Lulalend is unlike most other loan companies as we believe in the power of small businesses.

We strive to make a difference and bring you a better solution while striving for excellence. We strive to empower your business and support entrepreneurs in South Africa.  

Kick start your business

If you are looking for a long or short-term loan to fund your business, we offer loans from R20 000 to R500 000. Apply today to see if you qualify for free with no commitment on your part to take the loan that we offer you.

How it works

To apply simply log onto our website and provide your business details we will then review your instant loan application and you will have your answer within minutes.  If you prefer personal service our friendly consultants would be happy to assist. Please call them on 087 943 2381.

No paperwork  

There is no paperwork and you don’t need to sit around waiting for our decision. We will notify you within minutes of the outcome of your application.  All the fees and repayment terms are simple to understand and don’t try to confuse you with jargon or make you sign something that you don’t understand. We will tell you exactly how much you will need to repay.

Get the funds you need

Once your application form has been approved and you sign the contract. We aim to have your quick loan of between R20 000 to R500 000 we aim to have the funds transferred to your bank account within 2 business days.

Repay the money

You will be able to repay the money over a standard 6-month installment structure. If you are in the position to pay back the personal cash loan early then you can and won’t be charged any penalty fees.

Easy online loan applications

To make the process as easy as possible for you to understand we have broken the repayments into 6 or 12-month plans.

You will pay back either a sixth or twelfth of the short-term loan each month depending 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 depending on your chosen plan. The rest will be calculated at 2% for the remaining months. If you decide to pay early you can save even more money.

No need to visit the branch

Our business loan application form is very easy to understand and complete. The best part is it can be completed online, which means no need to visit the branch and sit in long queues or schedule appointments. There is no paperwork and no hidden fees. 

Get approved

We have a very high successful application approval rating and have helped thousands of South African to kick-start their business and follow their dreams.

Technology makes it easy

By using the latest technology, we assess your business and make a decision based on how your business will perform.

Flexible payment terms

Choose the plan that best suits your needs. If you want to repay the personal loan early you won’t be charged any fees or penalties.

Service excellence

We provide the highest level of service excellence and always make sure that the client knows exactly what they are signing up for. Our professionals offer the most expert advice to guide you and help you become a successful business leader. 

Lulalend – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 28%
  • Loan Amount up to R1,000,000
  • Repayment 3 years to 10 years

Benefits of Lulalend

  • Low-interest starting from 28%
  • Personal loans up to R1,000,000
  • Fast and easy finance

Personal 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 - Loan options to suit your business and personal financial situatons

Without sufficient working capital, the business will not be able to grow. 

The next biggest problem is cash flow management. Small businesses need guidance to better understand how to manage their business finances correctly in order to grow.

Does my business qualify

Your business could qualify if you fit this certain criterion:

  • You need to be in business for at least one year
  • You need to make at least R500 000 per year
  • You need to be a South African citizen

Funding that we can assist you with includes:

  • Funding for purchasing inventory
  • Funding for hiring staff
  • Funding for marketing campaigns
  • Funding for purchasing tools and equipment
  • Funding for remodeling and renovating
  • Funding for expanding and opening new locations
  • Funding for managing the day to day cash flow
  • Funding for handling unexpected expenses
  • Funding for receivables gaps  

Why choose Lulalend

  • We strive to grow small businesses and believe that they are the key to South Africa’s economic success.
  • We move quickly because we understand that time is money
  • There are no hidden fees and our contracts are very easy to understand 

Challenges that face small businesses

The economy is not very favorable to grow small businesses and the increased budget cuts are shortfalls are leading to outside investors having no business confidence in South Africa.  The biggest challenge that is facing small businesses is the lack of funding, they don’t have access to quick credit and so it makes it harder for them to thrive and grow.

We believe in responsible lending

We have your best interest at heart and want to empower you by helping your business grow from strength to strength. We will make sure that you are able to afford a business loan by assessing your affordability. Our terms and conditions are easy to understand and there are no hidden fees. We will continue to offer advice and support even once the loan has been paid back in full. 

How I establish if I need a loan

Personal loans can become very costly so you should always ask yourself the following questions to establish if the loan will be right for you.

  • Can I stick to the repayment terms or will I struggle to make payments?
  • What happens if I don’t make as much money as I thought I was going to? Will I still be able to pay back the full loan amount?
  • Can the interest rate change during the loan agreement? Or is the interest rate fixed?

Contact us

Either contact us via our webpage or call us on 087 943 2381. You can also e-mail us at [email protected]

Customer Reviews & Testimonials

October 2018

When I applied for credit with Lulalend, I thought I would spend weeks before getting feedback. To my surprise, my money was deposited on the same day after approval.

Mary B
— Krugersdorp —

March 2019

I wasn’t charged a cent for settling my loan earlier than the scheduled date. Thank you Lulalend.

Peter C
— Fochville —

November 2018

The consultants at Lulalend certainly know how to treat their customers. They ensured that I get a good credit deal.

Dibuseng S
— Free State —

Lulalend Contact

Contact Number


  • not available


Physical Address

  • 112 Buitengracht Street, 1st floor, The Studios 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