Maliup

Frequently Asked Questions

How do I apply for a loan via Maliup.co.za?

Input your details into our form and Maliup.co.za will find lenders matching your needs. We'll redirect you to the lender’s site for the offer.

Is it free to use Maliup.co.za?

Absolutely! Maliup.co.za services are 100% free.

What are the loan limits at Maliup.co.za?

The loan amount you can apply for ranges from R500 to R350 000, depending on individual circumstances and lender terms.

What's needed for a loan application at Maliup.co.za?

To apply, you need to be a South African citizen, aged 18-80, with a bank account or debit card, a valid SASSA card or Tax ID Number, an income source, and personal email and phone number.

Can I still apply with a less than perfect credit history?

Credit history is considered, but not the sole determining factor for your loan eligibility.

Is early repayment possible?

Absolutely, early repayment is advisable. The earlier you settle, the less you pay in interest.

What if I can't make loan payments?

If you're facing financial difficulties, contact your lender right away to discuss available options. Avoid taking additional loans and consider independent financial advice.

How do I make loan repayments?

The repayment process is determined by the specific lender. It is essential to carefully read and understand your loan agreement, as it will outline when payments are due, their frequency, and the duration of the repayment period. Contact your lender directly for any specific questions regarding loan repayment.

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Responsible Lending Policy

Maliup.co.za matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. Maliup.co.za is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on Maliup.co.za have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Process

Maliup.co.za does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Nonpayment Implications

Non-payment of your loan could have severe consequences. Each lender has its own policies regarding late payments and non-payments, which may include additional fees or charges, legal actions, and negative impact on your credit score. We encourage borrowers to understand their lender's policies and to make payments on time.

Extension Policy

Maliup.co.za does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.

Extension Policy

Maliup.co.za does not encourage the prolongation of your loan. If you anticipate not being able to repay your loan in time, we highly suggest not taking it and recommend that you seek impartial financial guidance. If you decide that an extension is needed, please discuss this with your lender. For more understanding about your lender's practice and policy on nonpayment, please go through the terms in your loan agreement.
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