Mukuru Fast Loan

You must:

• Have an active Mukuru Card for 3 months or more
• Receive regular money into your card
• Ensure your card won’t expire within 2 months

Tip: If you usually send money in cash, try loading it onto your Mukuru Card and sending from there. The more you use your card, the better your chances of qualifying for a loan!

Send “Hi” to 0860 018 555 on WhatsApp → choose Loans → follow the steps.

You can apply for a loan between R100 to R8000, depending on your eligibility.

Approval and payout happen instantly – funds go straight to your Mukuru Card.

You have 30 days to repay in full.

• Initiation fee: 11.5% (including VAT)
• Late payment penalty: 5% (first loan) or 3% (subsequent loans)
  No service or hidden fees.

A small penalty interest (3% – 5%) will be added to your balance.

You can check your loan eligibility directly on WhatsApp.
Here’s how:

1. Open WhatsApp and send “Hi” to 0860 018 555
2. Select “Loans” from the menu
3. Choose “Get a loan”
4. Follow the prompts — you’ll get an instant message letting you know if you qualify or not

If you don’t qualify yet, keep using your Mukuru Card regularly and make sure it stays active for at least 3 months to improve your chances next time.

• Fast decisions – Apply in minutes and find out instantly if you qualify.
• Instant payout – Once approved, your money is paid straight to your Mukuru Card.
• Transparent pricing – Our fees are clear and simple, with no hidden surprises.
• Built around you – We base our decision on how you use your Mukuru Card and a quick credit check. No credit history? No problem — that alone won’t stop you from getting a loan.

1. Get your Mukuru Card 
2. Use it regularly to receive funds
3. Keep it active for at least 3 months
   Then check if you qualify via WhatsApp.

Send “Hi” to 0860 018 555 on WhatsApp → choose Loans → follow the steps.