Mulah

4.0 (140 reviews)

Mulah (Quick Ching Pty Ltd) is a registered South African payday lender. NCR No. NCRCP12668. Read the company history, contact details and how to verify the licence on Creditdeals.io.

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Frequently Asked Questions

How does Mulah verify my identity online?

Mulah asks for a photo of your South African ID plus a selfie holding the ID next to your face. This biometric check replaces branch visits and reduces fraud.

Do I need to be a South African citizen?

Yes. Mulah currently serves South African citizens with a valid ID book or Smart ID. Foreign nationals are not eligible.

How much can new and repeat clients borrow?

New clients can access R500 – R4,000 depending on affordability. Repeat clients in good standing may qualify for up to R8,000 on subsequent loans.

What is the repayment period?

New clients typically borrow until the next payday (up to 32 days). Existing clients may access longer terms up to about three months — confirm on your pre-agreement.

Does Mulah really pay out in 60 seconds?

Mulah targets near-instant EFT after contract signing. Most major-bank clients see funds within minutes, though your bank's clearing rules can add delay.

What fees does Mulah charge?

As NCRCP12668, Mulah charges NCA-capped initiation and service fees plus daily interest (published at 0.17% per day). The pre-agreement shows the total rand repayable.

Can I extend my Mulah repayment date?

Short-term extensions are limited. Contact Mulah before the debit date if you expect a problem — rolling debt without a plan increases total cost.

What happens if I miss a repayment?

Failed debits trigger default fees within NCA limits and bureau reporting. Contact Mulah immediately or seek debt counselling if you are over-indebted.