Rating based on 83 reviews



  • Personal loans bad credit up to R4,000
  • Low-interest starting from 38%
  • Repayment up to 30 days

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Mulah homepage

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

About Mulah

If your online loan application has been approved, congratulations. As a customer that is using our services for the first time, welcome to Mulah.

It is important that you are certain that the date you have decided to use as your payment date is suitable for you. If we don’t find any money on your bank account on the scheduled date, you will be liable for extra charges.

Are you facing financial difficulties?

If you are facing some financial difficulty that is making it difficult for you to pay your loan, you need to inform us right away.

Although you will still be liable for extra charges, we will be aware of the situation you are faced with. The most important factor is to be certain that you will be able to pay for the personal bad credit loan you are applying for. If you are not certain, don’t apply.

Only apply once you are certain that you will have the required amount on a monthly basis until you are done with the personal loan.

Failure to have the money will also ruin your credit profile and it will take a great deal of effort to get your creditability in good standing again. There will always be implications for not paying your personal bad credit loan on time.

Mulah Services

Why should I choose Mulah? There are a number of credit providers you can choose from but Mulah will always have your back with our bad credit personal loans.

We are a financial services provider that understands that there are days where you need a little bit of money just to survive until your next salary date.

Leading our customers to have better credit

There is nobody that has a perfect credit score but there are people that are constantly trying to at least get a favourable position. We at Mulah, teach our clients that everybody should strive to reach such a stage. When you do, getting your fast cash loan application will prove to be easier than having to walk into a bank and doing the same process. This is because we ensure that we meet our customers halfway at Mulah.

Why is a bank so important?

We are not saying that other banks are not important. We are just making it clear to the customers that we use certain banks that we work with. If you don’t use any of the banks that we work with, we won’t be able to process your loan application. The banks are FNB, ABSA, Nedbank, Capitec and Standard Bank.

Mulah – Personal loan bad credit

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

Benefits of Mulah

  • Safe and secure loans with ease
  • Up to R4000 payday loans
  • Simple online registration

Personal loan bad credit 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 adheres to responsible lending

While we would to help everybody who comes to us for a loan application, we can only do so much.

If we see that you are not at financial liberty to afford another short-term loan, we will have no choice but to decline your request. This is so that the customer will first finish all their financial obligations before coming to apply for an additional loan. At the end of the day, we want our customers to be able to live a normal life and not think that they can’t even buy themselves the simplest things because of the financial loan obligations they always have to pay for.

First-time clients are limited

Unfortunately, if you are using our services for the first time, you can only apply for an amount of R2500 at first. After we have seen your payment patterns, we will increase your limit and it could even reach a staggering R8000!

This doesn’t mean that you have to apply for the amount if you don’t really need the entire R8000. Only apply for the exact amount of money you need for your personal bad credit. The fact that you have a personal loan for bad credit history doesn’t mean you shouldn’t be granted a chance to apply for a loan again. We are not concerned about how you used to spend your money in the past, we are more concerned about what you have decided to do now that you started seeing a thing in a different financial perspective.

Is my information safe and protected?

Everybody who uses our services will tell you that we take their private and confidential seriously. No information is shared or leaked.

I would like to top up my loan?

We need to see how much you need to pay before we can approve your top-up. If you would like to top-up, give us a call and we will see what we can do to ensure that you get what you are looking for. We can’t make every client happy but we can always try to meet them halfway.

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Mulah is a trusted & reliable provider of personal loans bad credit

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

The service is fantastic and I am a happy customer.

John S
— Cape Town —

June 2019

They have gone and helped me more than any company has been willing to do for me as soon as they hear I am blacklisted they won't help but not them they are willing to give me a loan and help me ...

Jason M
— East London —

May 2019

The application is super easy and you are done really quickly.

Ntombi D
— Markham —

June 2019

The service is amazing after speaking to a friend of mine I decided that I would come to get a loan and they have helped me all the way.

Jessica D
— Port Elizabeth —

Mulah Contact

Physical Address

  • 28 Swellendam St, Boardwalk Meander Pretoria Gauteng 0002 South Africa
  • Get Directions

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