Testimonials
— See what our customers have to say —
“Just a short note to confirm that the funds are available in my account this morning. Thanks again for handling this rather embarrassing situation professionally and discreetly. I look forward to a long association with you guys.”
– Justice Morake
“Thank you so much for assisting at such short notice and handling this transaction so professionally.”
– Kenneth Molosiwa
“You managed to make an awkward circumstance simple and professional. Thank you.”
– Mpho Phirinyane
“The service you offer is unbelievable. Finally a company that understands our cash requirements.”
– Naledi Teemane
“Your turnaround speed was unbelievable. I’ll definitely be using you in the future.”
– Lerato Selema
“Thank you Lamna. If it wasn’t for you, I would not have been able to make my payroll.”
– Neo Mpuchane
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APR & Loan period
Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months.
Collection
All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.
Renewals
Loans are not renewed automatically. Loans are renewed by agreement on the same terms as the original loan.
Non-payment
Non-payment will result in the ownership of the borrower’s pledged asset being transferred to the lender with no further impact on the borrower (including fees and credit bureaux).
Illustrative example
Client borrows P10,000 for 90 days.
| Loan Amount | Repayment Terms | Monthly Repayment | Total Repayment | Initiation Fee | Monthly Fee (Interest + Service charge) | APR |
|---|---|---|---|---|---|---|
| P10,000 | 3 months | P560 | P12,370 | P1,000 | P560 | 60% |