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Frequently Asked Questions

What do I need to qualify for a loan?

Recently certified I.D, X 3 months recent bank statement and X1 recent Pay slip.


How much can I borrow?

From R500 up to R 2000


How long before I receive the money?

First time applicant 24 hours 2nd time applicant 10 hours.


What if I have a bad credit record?

If you are servicing your debt then we will assist you. The only time we can not assist is if your are under debt consolidation or have other outstanding short term loans.


Will I be able to receive the money in cash or is it paid into my bank account?

Paid directly into your account.


What personal info does Kwalaflo need to process my loan application?

Official names (I.D copy) Bank statement & Pay slip.


Is it safe to give all the required information to Kwalaflo?

We are N.C.R regulated and registered. Your information will be kept confidential and used only for loan purposes.


Who is Kwalaflo accredited with?

We are accredited with the National Credit Regulator and that enables us to provide short term loans to the whole of South Africa. We are fully compliant and active.


Do I need to be employed?

Yes, you need to be employed and earn a regular salary that is paid into your bank account.


Do I need a bank account or can I use a relative or friends account?

You need to have an active bank account that is registered in your name. We will not be able to make any payments to a 3rd party bank account.


Can I qualify for a loan if I have existing debt?

Yes, depending on what the debt is for.


How do the repayments work?

We offer 1 month repayment loans. (Subject to change)



How does it work if I don't repay my loan at all?

We will have to either discuss new payment plans or consider legal action.


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