How it Works

Applying for a loan with Umhlatuze Finance is very easy and unique. There’s no paperwork to complete, documents to fax or queues to stand in because our unique service is online from start to finish.
Use the sliders on the home page to decide exactly how much cash you want to borrow and how many days you need it for.  You can choose between R500 - R3000. Please use your next pay day as the repayment date.
We'll show you the full cost upfront and, once you're happy, click apply. We'll then ask you for some personal details in 7 easy steps.  Please be truthful in the 7 steps that you have to fill in because we need the info to do our fraud and credit checks on your details.  We use the latest technology so please be truthful.
If approved, we send the cash to your bank immediately. That makes us the fastest lender in the South Africa.
On your chosen date we collect a single payment from your bank account, so you just need to ensure the required funds are available.  
It’s that easy!


Umhlatuze Finance cater for those unforeseen expenses before payday, we do not give you a loan repayable longer than 6 months.  We do not want you to keep rolling the loan and pay only the minimum and keep running up charges on money spent a long time ago. That’s the reason we give you the consumer the option of repaying the loan between 1-6 months. We at Umhlatuze Finance do not believe by granting one month loans because it will force you the consumer to roll your loan month by month.  As we concentrate on responsible lending, we believe in the flexability of the loan repayment and to alleviate debt.


If terms are not met, we can not keep to our original charges. Thus if we do not receive payment from you as agreed, or if you request us to prolong the date of collection (in other words change the duration of the loan) or if there is insufficient funds in your account on the agreed date of collection, you will incur default charges. At this point your account will be handled by our internal collections team. Our primary goal is to obtain a mutually beneficial agreement to settle the loan. Before plainly running continuous attempts at getting the money and in the process running up charges, we prefer to come to an arrangement to settle the loan. Normal fees will however continue to accrue on your account in line with the original scale until settled or upon changes made by a new mutually agreed arrangement. If all attempts at making an arrangement or recouping the amounts due fail, your account will be handed over to external collectors. This will lead to a default payment profile on credit bureau agencies that will affect your credit rating. Legal action may also be instituted and that may lead to a court judgement to recoup the money owed. This judgement may also be loaded on your credit profile with credit bureau agencies.


The loan and all fees, costs and charges are reflected up front. As long as you keep to your end of the agreement we have no reason to digress. This means that we deliver on our stated promise in terms of turnaround time and execution.   After you have applied for the loan you can log in at the Client Zone with your ID number and password and all your documents (loan agreement) will be available to you.
uF-ico 1st Floor, Central Park Complex, Corner Rex Henderson and Frankbull road, Empangeni, 3880.
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