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Mali LoansNCR registered credit provider · NCRCP18719

Personal loans · Shop on credit

Fair loans, explained clearly

Apply on your phone in minutes. We check what you can afford, so you only borrow what you can repay.

Apply for a loanApply on WhatsApp (opens WhatsApp)
  • ✓ Every cost shown before you sign
  • ✓ Apply in seven languages
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How much do you need?

Instalment
R1 396.40
Total to repay
R5 585.60
Interest
R550.60
Fees
R735.00
Apply now

Worked out from this loan’s real rates and fees. Every loan needs a credit and affordability check.

  • NCR registeredA registered credit provider.
  • Clear costsEvery fee shown before you sign.
  • Your data is safeProtected under POPIA.
  • Responsible lendingOnly what you can afford.

Apply your way

Three ways to apply

Start wherever suits you. Your details carry over, so you never fill in the same thing twice.

More from Mali Loans

Not just personal loans

The Mali Loans Shop

Electricity, airtime and data on credit

Buy from R510 with a Mali Loans loan. We check what you can afford first, and your token or voucher arrives by SMS.

  • ElectricityPrepaid token for your meter, sent by SMS.
  • AirtimeFor any South African network.
  • DataBundles for your phone or router.
Go to the Shop
A cheerful woman standing at her colourful outdoor market stall.

How it works

From application to money in your bank

  1. ApplyYour details and documents, on your phone or on WhatsApp.
  2. Get a decisionWe check your credit record and what you can afford, then explain the result.
  3. Sign and get paidSign with a one-time code. The money goes straight to your bank account.

Questions

What people ask us

What documents do I need?

Your ID, your latest payslip and your recent bank statements.

Will you check my credit record?

Yes. The law requires a credit and affordability check before every loan.

Can I apply in my own language?

Yes, in any of seven languages. The English version of your agreement applies.

How do I repay?

By debit order on the day you are paid. You can also settle early at any time.

Before you borrow

A Shop purchase on credit is a loan too. Borrow only what you need and can repay. You’ll see the instalment, every fee and the total before you sign.

Visit or call us

Contact Mali Loans

To ask for information we hold about you, see our PAIA manual.

Add Mali Loans to your phone

Check your balance and statements, and apply again in one tap.

Install the app