Loans up to R350,000 with low interest

How much do you need?
R  100 000
R 10 000
R 350 000
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*Representative example: Estimated repayments of a loan of R30 000 over 36 months at a maximum interest rate including fees of 27,5% APR would be R1232.82 per month.
Loan amount R100 - R350 000. Repayment terms can range from 3 - 72 months. Minimum APR is 5% and maximum APR is 60%.

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Why Choose Lula Lona? Easy Loans, For You!

Apply Anytime, Anywhere – It's Lula Easy!

Need a loan on your terms? With Lula Lona, our simple online application is available 24/7. Whether you're at home or on the go anywhere in South Africa, accessing financial help is secure, quick, and truly convenient – that's the Lula Lona way!

Get Your Loan Options, Fast!

We know that when you need funds, time matters. Our smart, streamlined process is designed for speed. Apply in minutes, and we'll quickly connect you with loan offers from our trusted partners, helping you get a decision without unnecessary delays.

Your Information is Safe With Us

Your privacy and security are a top priority at Lula Lona. We use advanced encryption and robust data protection measures to safeguard your personal information every step of the way. You can apply with confidence, knowing your details are secure.

Compare Offers, Zero Obligation – The Choice is Yours!

Lula Lona makes finding the right loan easy. With one simple application, you can compare suitable offers from our network of NCR-registered lending partners. There's no pressure and no obligation to proceed. Review your options, choose what works best for your budget and needs – it’s all about empowering you.

Are You Eligible for a Loan via Lula Lona?

Active SA bank account

18+ years old

Valid South African ID

Employed (6+ months minimum)

Your Lula Lona Loan in 3 Simple Steps

01

Tell Us What You Need

Let us know how much you'd like to borrow and complete our quick and easy online form with your accurate details. It really is that simple!

02

Compare Your Loan Options

Next, we'll connect you with suitable loan offers from our network of trusted, NCR-registered lending partners. You can then easily compare these options and choose the one that best fits your needs and budget.

03

Receive Your Funds

Once your application is approved by the lender you've chosen, your funds will be deposited directly into your South African bank account. Fast and hassle-free!

Trusted by Over 2 Million South Africans!

Nozi

Finding a loan through Lula Lona was excellent! The process was so easy, and I was connected to an offer with funds quickly.

Mabel Motslatshi

I urgently needed money for medical bills, and Lula Lona helped me find a solution the very same day! So grateful for the speedy connection.

Bhekani

Lula Lona was very helpful in finding me loan options. The service was great and made things so much easier. 👌

Take the First Step to Your Loan –

In Just 5 Minutes!

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Important Information from LulaLona.co.za

LulaLona.co.za is an online loan-finding service. We act as an intermediary, connecting South African consumers with NCR-licensed credit providers. LulaLona.co.za is not a direct lender and does not make credit decisions or issue loans. Our service is free to use for consumers.

Loan repayment terms offered by our partner credit providers can range from 3 months (91 days) to 72 months. The Annual Percentage Rate (APR) for loans found through our service will vary depending on the lender, the loan amount, the term, and the applicant's credit profile. The minimum APR offered by our partners is 5%, and the maximum APR is 60% per annum. All costs and the APR will be clearly disclosed to you by the credit provider in a Pre-Agreement Statement and Quotation (PQ) before you accept any loan offer, in accordance with the National Credit Act (NCA).

Representative Loan Example:

Consider a loan of R30,000 repaid over 36 months. At a maximum Annual Percentage Rate (APR) of 27.5% (inclusive of all permissible initiation and service fees as per the NCA for this example loan amount and term), your estimated monthly repayment would be approximately R1232.82. The estimated total amount repayable over 36 months would be approximately R44,381.52. This example is for illustrative purposes only. The actual terms, APR, fees, and repayment amounts will be determined by the specific credit provider based on your individual assessment and will be fully detailed in your Pre-Agreement Statement and Quotation.
General Loan Range: Our lending partners may offer loans ranging from R100 to R350,000, subject to their lending criteria and your affordability assessment.

Responsible Lending & Consumer Protection:

LulaLona.co.za is committed to promoting responsible lending. We only partner with credit providers who are registered with the National Credit Regulator (NCR) and adhere to the regulations set out in the National Credit Act. We encourage all users to borrow responsibly, only taking out loans they can comfortably afford to repay. All loan applications are subject to credit checks and affordability assessments conducted by the credit providers as required by law.

Loan Repayment:

LulaLona.co.za does not collect payments. Your lender will provide payment details and schedules.

Non-Payment:

Failing to make timely payments on your loan can have serious consequences, including negative impacts on your credit record (making it harder to obtain credit in the future), and potential legal action from the credit provider. If you anticipate difficulty in making a repayment, you should contact your credit provider directly and immediately to discuss possible arrangements.

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Address: Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia.