Maliup

Frequently Asked Questions

Steps to apply for a loan at 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 Maliup.co.za service free of charge?

Yes, there are no charges for finding loan offers through Maliup.co.za.

What's the loan amount I can apply for?

Loans available at Maliup.co.za typically range from R500 to R350 000. Choose what best suits your needs.

What identification do I need to apply?

To be eligible for a loan at Maliup.co.za, you need to be a South African resident, 18-80 years old, have a valid bank account, and a consistent income source.

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

We work with lenders who consider your repayment ability and not just your credit history.

Is early repayment possible?

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

What to do if I can't repay my loan?

If you're struggling with loan repayment, we advise you to contact your lender directly for possible options.

What's the procedure for loan repayment?

Only your lender can provide you with specific information regarding your loan, including repayment dates and times. Repayment periods may vary. Please contact your lender to inquire about your loan terms.

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Responsible Lending Policy

Maliup.co.za is a platform that connects customers with potential lenders. While we strive to ensure that the information presented on our website is accurate and up to date, we do not guarantee this nor are we responsible for any decision taken based on the information. Each lender has its own lending criteria, which may or may not suit your current financial situation.

Maximum Repayment Periods and Interest Rates

The loans offered on this website through ADSKI OÜ have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you."

Debt Collection Policy

Most lenders will contact you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Nonpayment Implications

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Loan 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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