Yes. Mali works with selected third-party partners to deliver a complete and responsible financial ecosystem for its customers. These partnerships include Universal Credit Insurance for credit-related protection products, MyChama Stockvel for independent savings and stokvel participation, and IXL Consultants (Pty) Ltd for business compliance and advisory support. Each partner operates independently within its own regulatory framework, and Mali does not provide insurance, savings, legal, tax, or accounting services directly.

Mali offers a range of financial and support products designed to meet personal and business needs. These include personal loans, asset finance, school fees support, housing and utility improvement loans, salary check-off arrangements, credit protection products, and business support services. Each product has its own eligibility criteria and terms.

Mali operates within South Africa and serves clients across multiple regions. While our services are accessible digitally, certain processes may involve engagement with approved suppliers, institutions, or partners depending on the product and location.

Yes. Mali is registered with the National Credit Regulator (NCR) as a credit provider and operates in line with South African credit legislation. We also adhere to applicable compliance requirements, including FICA obligations and industry reporting standards where applicable.

For most developmental products, funds are not paid directly to customers. Payments are typically made to approved suppliers, service providers, or institutions to ensure that funds are used for their intended purpose and to promote responsible credit use.

Mali follows strict affordability assessments, documentation verification, and regulatory guidelines before approving any credit. Our aim is to support clients without placing them under unnecessary financial strain, while promoting long-term financial stability.

Mali operates in line with South African regulatory requirements and is registered with the National Credit Regulator. We also comply with Financial Intelligence Centre (FICA) obligations and industry reporting standards, including SACRRA where applicable.

Mali takes data protection seriously and processes personal information in accordance with the Protection of Personal Information Act (POPIA). Customer information is used strictly for lawful purposes such as affordability assessments, compliance checks, and service delivery, and is safeguarded through appropriate security measures.

No. Submitting an application does not guarantee approval. All applications are assessed individually based on affordability, documentation, and regulatory requirements. This ensures responsible lending and protects customers from taking on credit they may not be able to sustain.