Rating based on 4 reviews


  • Renewal of updated accounts
  • Low-interest starting from 36%
  • Repayment up to 24 months

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Lamna homepage
Author Lamna. Screenshot of Lamna website.
[Accessed December 11, 2022]

About Lamna

Lamna Financial is a National Credit Regulator accredited credit provider and specialist finance company that offers short-term loans to clients in exchange for their cars.

The company, with offices in all major centres of South Africa, and a branch in Botswana, is blazing a trail for customers over several years of its existence. Need extra cash for business projects, student loans, a property revamp, or for day-to-day expenses? Lamna has a speedy loan solution tailored to the needs of every borrower.

The application process for pawning your car

The lender accepts vehicles as collateral against loans and guarantees quick, efficient turnaround times. The company which has provided loans to thousands of satisfied clients will ensure the cash lands in the customer’s bank account in double-quick time.

There are two ways clients can apply for a loan – on an appointment basis, or through a user-friendly online portal. The company requires applicants to share the make, model, and year of the vehicle before a consultant, well versed in National Credit Act legislation, makes an offer of a proposed loan amount for the car.

Lamna saves clients valuable time through its hassle-free service and straightforward and easy-to-understand documentation, which allows deals to be negotiated on the same day a loan application is made.  

Quality service - every step of the way

Lamna prides itself on its reputation for setting the bar high when it comes to service standards for existing and potential clients. Providing top-class service is non-negotiable because they boast of highly qualified staff based at all their offices, chartered accountants, lawyers, and financial advisors.

Company personnel is trained in all aspects of rules governing the National Credit Act, ensuring that once a deal is concluded, clients are offered protection in line with the required legislation.

Lamna Services

Whether it’s a truck, boat, valuable jewelry, property, or car a potential client wants to put down as collateral for a short-term loan,  Lamna has a plan to suit everyone’s needs. Money is paid out to clients in 24 hours. 

Lamna offers an easy loan online application

Lamna is the perfect fit for anyone needing spare cash for that unpredictable emergency that crops up from time to time. By clicking on “Apply Now” on their easy-to-use portal, the client is required to enter the following details: phone number, e-mail address and place of residence, details of the asset, and loan amount required.

If clients prefer seeing a consultant in person, they can make direct contact with a Lamna office in their region to set up an appointment. Once they have received all the client’s personal details, a consultant will contact the applicant and make a loan offer for the vehicle. If both parties agree to the offer, the client drives the car to Lamna’s premises to have it assessed and valued. 

The necessary documents are completed by the borrower under the expert guidance of a Lamna consultant and the money gets paid into the customer’s bank account within minutes.  

How  it works

The borrower’s car is stored safely and securely with the company until the loan is repaid with interest, in line with the rules of the National Credit Act legislation. Lamna guarantees that the vehicle will be returned to the borrower in the same condition and with the same odometer mileage as when it was taken into storage.

The client must present to the consultant a valid ID document, proof of address, a valid driver’s license, and a certificate of ownership before a loan can be processed. The car must be in the name of the registered owner and should be fully paid up when applying for the loan.    

Get you’re possessions valued

Lamna has previously assisted people with funding on assets of between R20,000 and R10,000,000. Depending on the value of your assets, you could qualify for a loan to the same values.

Lamna – Car Pawn

  • Loan Type Car Pawn
  • Interest Rate 3660% p/a
  • Repayment 3 months to 24 months

Benefits of Lamna

  • Complete loan form online
  • Immediate approval
  • Access money within 24 hours

Pawn your car at our best deals

As long as your vehicle's kept, you can rest assured that your vehicle is insured and in good hands.

Once the funds have been paid back in full, the pawned vehicle is returned to the client. Lamna believes in doing honest business and you'll know exactly what you're paying for. They also won't charge you any extra fees if you settle your debt early.

Benefits of pawn your car loans

  • There are no credit checks - all the lender requires is proof that the vehicle is paid up and in the owner’s name. The company does not expose the agreement to the credit bureaus.
  • The borrower will have peace of mind because payment towards the car pawn will not affect their credit score.
  • Lamna does not require clients to be employed to qualify for a loan. Borrowers only need the accompanying documents as required by the company.
  • They offer loans at competitive rates which are fully compliant with the rules of the National Credit Act.
  • If a customer can’t repay the loan as per the terms of the agreement, they don’t alert the credit agencies. Lamna will, however, sell the car to recover losses.
man holding thumbs up

Lamna is a trusted & reliable provider of car pawn

In our review, Lamna adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Lamna is a registered credit provider in South Africa: NCRCP 7428

Customer Reviews & Testimonials

June 2019

Just a short note to confirm that the funds are available in my account this morning. Thanks again for handling this rather embarrassing situation professionally and discreetly. I look forward to...

Melissa B
— Athlone —

October 2018

Thank you so much for assisting at such short notice and handling this transaction so professionally. - short-term loan against an asset; unspecified for confidentiality

Steve N
— Midrand —

January 2019

I cannot begin to thank you for your approach and the entire process you managed this ‘business deal’. Please accept my sincere thanks and appreciation for appreciating my situation and treating ...

Nadia J
— Rosebank —

Lamna Contact

Contact Number



Physical Address

  • Soho On Strand Building, 128 Strand Street Cape Town City Centre Cape Town 8000 South Africa
  • Get Directions

Postal Address

  • PO Box 50798, Waterfront, Cape Town, 8002, South Africa

Opening Hours

  • Monday 08:30 – 17:00
  • Tuesday 08:30 – 17:00
  • Wednesday 08:30 – 17:00
  • Thursday 08:30 – 17:00
  • Friday 08:30 – 17:00
  • Saturday – Closed
  • Sunday – Closed