Short Term Pay Day Loans South Africa

Mulah Provides Short Term Emergency Loans.

Quick and Easy Online Loans!

New customers can apply for up to R4000 with 1 month to repay. Existing customers up to R8000 with up to 3 months to repay.

How Much -


How Long -

0 Days

Interest And Fees


Repayment Estimate


Repayment Date


Choose The Loan Amount

Use the slider calculator to determine the loan amount and the repayment period, and see the interest rates and the repayment amount.

Register Online

Fill in the quick and easy loan application form with your employment status and South African Citizen ID number so we can do a quick credit check.

Credit Assessment

A credit assessment is conducted and if you are approved your loan will be granted!

Quick Ching !

Mulah transferred directly into your bank account on the same day if you apply before 3:00pm

Need A Quick Pay Day Loan? Mulah Is Here To Help!

Life throws curveballs sometimes, leaving you a little short on cash. Car troubles? Unexpected bill? Don't sweat it, Mulah's got your back, South Africa!

We offer payday loans, also known as short-term loans or emergency loans, that can help you bridge the gap until your next paycheck. Think of us as your financial cheerleader, ready to shout "You got this!" with a quick cash boost.

Here's the Mulah magic:

Instant Cash Loan Decisions (almost!): Our speedy online application process takes minutes, and you'll know nearly instantly if you're approved. No waiting in line or endless paperwork.

Funds in a Flash: Once you're good to go, we'll transfer the moolah straight into your bank account. That way, you can tackle that surprise expense ASAP.

Transparency You Can Trust: We don't play any hidden fee games. You'll see everything upfront before you commit, so you can make an informed decision.

**Whether you call them payday loans, short-term loans, emergency loans, or even instant cash loans (hey, it works!), Mulah is here to help responsible borrowers in South Africa get the financial nudge they need.

Pay Day Loan Borrower Requirements

You must be 21+

Reside in the SA and have a valid ID

Provide proof of your income

Have an active checking account

Ready to ditch the stress and say hello to fast cash? Click that "Apply Now" button and let Mulah show you how easy it can be.

Repayment terms

All payments are collected via debit order in a single payment direct from your bank account on the date of your next payday.

Contract renewal

Our renewals are not automatic, new loan offers and loan extensions will be handled as a new loan agreement and the same interest rates will apply for these loans.

Implications of non-payment

Non-payment of your account will result in an R60 service fee and 5% interest added every month.
Failure to repay a loan will lead to Credit Reference Agencies being notified and potential legal action being taken, both of which could impair your credit score.

About My Mulah

At Mulah, we get it. We're a young, tech-savvy team with a background in finance, just like many of our customers. We know unexpected bills can happen, and that's why we offer quick and easy financial help. We believe everyone deserves a chance to get back on track, so we provide innovative online loans to get you by.

Need a short-term financial boost? Mulah is here to help. We specialise in providing easy and affordable online loans for people in South Africa. Our application process is quick and hassle-free, so you can get the money you need fast. Plus, with our online platform, repaying your loan is a breeze.

My Mulah Pay Day Loans FAQs

Who can apply for a My Mulah loan?
Only South African citizens qualify for a Mulah loan. You must have a regular income and bank account into which your salary is deposited monthly. Oh, and you must be over the age of 21, that way we know you won't spend it at the games arcade. We're kidding about the game arcade part but the age thing still applies. You must also have a valid email address and cell phone number so that we can keep in touch while the loan is being processed.

How much can I borrow and how long can I borrow it for?
If it is the first time you are applying for a Mulah Loan the loan limit is R2500. The more loans you make and repay, the higher your Mulah trust rating gets. The higher your trust rating becomes, the more money you qualify to borrow, up to R8000!

You can easily calculate the days. Interest and costs of the loan until your next payday when you will be required to repay the loan. Simply slide the Mulah widget (at the top of the page) to select the loan amount and the number of days till your next payday. Keep in mind that Mulah will expect the repayment by the date which you have selected, so be reasonable and realistic please. After your first loan, future loan applications are even easier and quicker to complete.

Do you approve all banks?
We can only approve your loan if you belong to the following banks:

  • Absa
  • FNB
  • Standard Bank
  • Nedbank
  • Capitec
  • Head over to our Pay Day Fast Loans for more FAQs

    My Mulah Pay Day Loan Reviews

    We have provided customers all over South Africa with fast pay day loans and are proud to have a 4.9-star rating with almost 6,300 reviews! See our pay day loan reviews here.