Malimo

Useful Information

Application procedure at Malimo.co.za?

Once you've filled out our online form, we'll match you with a lender. Review and accept the loan agreement, and you'll have the funds transferred to your account.

Does Malimo.co.za charge any fees?

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

How much can I borrow from Malimo.co.za?

Our lender partners at Malimo.co.za offer loans ranging from R500 to R350 000.

What identification do I need to apply?

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?

At Malimo.co.za, our lenders evaluate your future repayment ability, not just your past credit history.

Can I repay my loan early?

Sure, you can repay your loan at any time, and you'll pay less in interest.

What if I struggle to repay my loan?

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

How do I make loan repayments?

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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Material Disclosure

Malimo.co.za matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. Malimo.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 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."

Collection Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

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.

Extensions

Malimo.co.za does not recommend renewing or extending loans, as this can lead to increased fees and interest, and trap you in a cycle of debt. However, if you cannot repay your loan on time, it's crucial to contact your lender to discuss your options. Each lender has different policies and procedures for loan extensions and renewals. Please be sure to fully understand your lender's policy on this matter before agreeing to the loan.

Extension Policy

Malimo.co.za does not advise renewing or extending loans, as this could lead to increased charges and interest, and trap you in a cycle of debt. However, if you cannot repay your loan on time, it's vital to contact your lender to discuss your options. Each lender has different policies and procedures for loan extensions and renewals. Please ensure that you fully understand your lender's policy on this matter before agreeing to the loan.
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