Rating based on 77 reviews



  • Bad credit loans up to R4,000
  • Low-interest up to 38%
  • Repayment up to 30 days

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Author Mulah. Screenshot of Mulah website. [Accessed July 24, 2019]

About Mulah

Life has become so expensive and while you might have saved money for rainy days, you might end up using it sooner than you expect because everything is just so expensive to buy lately.

If you need to purchase something that can’t wait until your next salary date, you can always apply for a bad credit loan at Mulah.

We have the lowest interest charges on our loans and the client will still have sufficient money to carry out additional expenses.

Our mission is to help you with financial emergencies

This is why we ask you if you accept our payday loan charges prior to sending the money to your bank account. If you feel that you can’t afford our credit services, it is best to rather find another alternative of getting the money that you need.

At the end of the day, we are not only running a business to gain profit but to also ensure that customers are happy with the services offered.

Mulah Services

When you make use of the loan calculator before you apply for a quick loan, you are financially preparing yourself so that you will not fall behind on the monthly repayments that you have to pay for.

The amount that is referenced in the calculator is quite accurate so there is hardly any major difference from the actual loan amount. While we strive to do our best in helping our customers with their online loan applications, we also have to ensure that you are not overwhelming yourself with too much debt.

The loan process

The best system to use is to ask for bank statements and proof of pay slips to see if you can handle further credit in the form of one of our bad credit loans. It is common to find that a number of households are paying for their houses, cars and a few retail accounts. With the loan obligations that you currently have, we will be able to determine whether you can afford to pay another loan or not. It is also good to note that some people don’t rely on one salary so that is also put into consideration.

Mulah Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 38%
  • Loan Amount up to R4,000
  • Repayment 24 hours to 30 days
  • Decision 6 hours

Benefits of Mulah

  • Queries answered in minutes online
  • Safe and secure loans with ease
  • Up to R4000 payday loans
  • Only 0.17 interest per day
  • Simple online registration

Bad credit loans 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 Online loan calculator is subject to our terms of use.

Mulah works out a plan that suits your finacial needs

We know that there are a number of customers who want to make the money right away.

Should that be the case with you, please ensure that you apply before a certain time if you would like to get the money on the same business day. On the other hand, if you are not in a hurry, you can apply during any time of the day or night and we will process your loan application on the next business day.

How would you like your money to be collected?

Seeing that people are usually busy with their operational requirements, we have seen that the debit order process is convenient for all parties concerned. The client doesn’t have to leave work to pay off his loan and the broker gets his money on time. This way, everybody wins.

Why was my loan application rejected?

There are a number of reasons why we may have turned down your online loan application. Most of the time, it is due to the fact that you seem to have a number of obligations as it is already. We also don’t take the clients’ word who claims they will be able to pay off the credit plan.

When a customer is in a crisis, they will say anything to get money to attend to their emergency. On the other hand, when we have all your original documents, we will be able to determine if your affordability is still capable of accounting for another short-term loan.

How do I qualify for a Mulah bad credit loan?

If you would like to apply for credit, you need to complete our loan application form that is available on our website. After you have submitted the application form, we will then verify if the information you have supplied is truthful. Once everything has been completed and found to be accurate, you will have to sign a contract before the money can be paid out.

In the agreement, you are making yourself responsible of full payment should something happen that may prevent you from paying the credit plan on time. We know that problems can happen that may result in you failing to pay your bad credit loan on time. Please inform us if you are having difficulties with your loan repayment. There will be charges incurred in the absence of late payments but you should also report if you see that time is no longer on your side.

Adhering to the National Credit Regulator

The National Credit Regulator makes strict provisions for clients and brokers to abide by. If you are late on your payments, your credit profile will be affected and it may take years before you are cleared again. It is better to only apply for credit if there is a serious need and do adjust your budget to fit the instant cash loan you want to apply for.

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Mulah is a trusted & reliable provider of bad credit loans

In our review, Mulah 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.

Mulah is a registered credit provider in South Africa: NCRCP6092

Customer Reviews & Testimonials

March 2019

Mulah has been my preferred credit provider for many years! I was able to cut down on unnecessary expenses the minute I got a loan from Mulah

Max J
— Deneysville —

April 2019

As long as Mulah keeps giving us affordable loan offers, there’s no reason to look elsewhere.

Thabitha L
— Cape Town —

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 1614 Groenkloof , Pretoria , 0027, South Africa

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed