Flexible Personal Loans Online with VodaLend
VodaLend offers affordable personal loans and debt consolidation solutions to help you easily manage your finances. You can apply for a personal loan online in South Africa in just a few minutes. No unnecessary paperwork. Do you need funds for emergencies, expenses, or to consolidate existing debt? We’ve got you covered with a VodaLend personal loan.
Apply for a Personal Loan Online with VodaLend Today!
Looking for a fast, affordable and flexible loan? Apply for a personal loan online with VodaLend Personal Loans and access up to R250,000 with ease.
No hidden costs, quick approvals and secure applications!
Why Choose VodaLend for Your Personal Loan?
Flexible Loan Options
Select the loan amount and repayment period best suits your budget.
Safe and Transparent
No hidden fees, confusing terms or complicated conditions.
Fast and Convenient Application
Apply for a personal loan online in just minutes and receive your funds quickly.
Who Can Apply for a Personal Loan?
South African Citizen
Applicants must be between 18 and 60 years old.
Minimum Income Requirement
Do you earn more than R2 500 a month before deductions?
Required Documentation
Submit your South African ID, three months’ bank statements and latest payslip.
Looking for business funding instead?
Access up to R5 million in business funding with VodaLend with our quick online application. Funds in 24 hours
FREQUENTLY ASKED QUESTIONS (FAQs)
What you need to know...
Applying for a personal loan with VodaLend is simple:
- Visit the Vodalend Personal Loans Page
- Click on "Get Started" and choose "Apply Now" if you're a new customer.
- Complete the easy application process.
- A friendly consultant will contact you to finalise your personal loan application.
If you've applied for a personal loan but haven't received feedback, contact the VodaLend Customer Service Centre at 086 010 2209, using your ID number as reference.
- Visit the VodaLend Personal Loans page
- Click on "Get Started" and choose "Manage Account".
- Log in with your South African ID number to view your application status.
- Valid South African ID.
- Latest payslip (not older than one month).
- If your latest payslip includes a bonus, provide the previous month’s payslip as well.
- Stamped bank statements showing three consecutive salary deposits from the last three months (latest statement within the last 7 days).
- Email documents to [email protected]
- Call VodaLend Customer Service Centre on 086 010 2209 for guidance.
- If you received an SMS, click the provided link to upload documents directly.
- You must be at least 18 years old.
- Earn a minimum monthly income of R2,500.
- Loan repayment term must end before age 60.
- Permanent employment or a contract longer than three months.
Your monthly loan instalment includes:
- Interest based on your credit profile and affordability.
- Standard monthly service fee.
- Credit Life insurance premium for loans of 12 months or more, as mandated by the
National Credit Act, No. 34 of 2005.
VodaLend Personal Loans are provided in partnership with Old Mutual Finance (OMF), a registered credit provider (NCRCP35, FSP25494) with over 175 years of trusted service in South Africa.
Funds are deposited directly to your account within 10 minutes after your application is approved and you've authorised the DebiCheck Mandate.
Common reasons include:
- Insufficient affordability.
- Low credit score.
- Under debt review, administration, or insolvency.
- An existing loan with Old Mutual Finance less than 3 months old.
Debit orders align with your salary date. If your loan is approved within 14 days of your next pay date, the first debit is processed the following month; otherwise, it occurs in the same month.
Your debit order will be processed via DebiCheck.
DebiCheck is a verification process designed to protect you from unauthorised debit orders. You must confirm new debit orders with your bank before processing, providing greater control over your finances.
We use DebiCheck to ensure you verify and authorise debit orders, reducing fraud and protecting your financial security. A DebiCheck mandate is essential for your loan to be processed.
When setting up a debit order, your bank sends a confirmation request via SMS, mobile banking app, or internet banking. After confirmation, the debit order will be processed as usual.
Yes, DebiCheck is safe and secure, protecting against unauthorised debit orders and reducing fraud risk. Only debit orders you've authorised will require your confirmation.
Old Mutual Finance partners with VodaLend Personal Loans to manage credit profiling and loan disbursement.
- Statements emailed quarterly.
- Visit an Old Mutual Finance branch.
- Contact VodaLend Customer Service Centre at 086 010 2209.
- VodaLend Customer Service Centre: 086 010 2209
- Email: [email protected]
Yes. Approval considers affordability and credit history, and lack of debt history might affect the approved loan amount.
Short-term loans (3-12 months), Long-term loans (13-72 months), and Consolidation loans to simplify multiple debts
Discuss directly with a consultant during your application if interested in consolidating existing debts.
Yes, contact 086 010 2209 for a settlement letter and instructions.
Insurance covering loan repayments in events like death, disability, or retrenchment.
Credit life insurance is compulsory for loans of 12 months or more.
Yes, provided it meets regulatory standards equal to or better than the one provided by Old Mutual Finance.
Call VodaLend Customer Service Centre at 086 010 2209 for details.
Yes, it is possible for a customer to have more than one loan if their affordability allows it. However, each loan application will be assessed on an individual basis, taking into account the customer's credit score and financial situation. It is important to ensure that you are able to comfortably make repayments on all loans in order to avoid falling into debt.
Your credit score will likely affect your personal loan application. Credit providers typically use credit scores to assess the risk of lending to an individual, and a lower credit score may result in limited offerings or a denial of the loan application altogether.
We take the security and privacy of our customers very seriously. We use industry-standard encryption and security measures to protect your personal information when you apply for a loan online. Our systems and procedures are regularly reviewed and updated to ensure that we maintain the highest levels of security.
We understand that sometimes you may have questions regarding your loan, and we are here to help. You can contact our customer support team by calling our VodaLend Customer Service Centre on 086 010 2209. Our team is available to assist you with any questions or concerns you may have regarding your loan application, repayment, or any other related matters. We are committed to providing our customers with exceptional service and support, and we strive to ensure that all inquiries are handled promptly and professionally. So, if you have any questions or issues with your loan, please don't hesitate to contact us.
You can contact Old Mutual Finance Legal Queries on email [email protected]
If you haven't received your OTP, you can request a resend. However, if you have exceeded the maximum number of retries, you'll need to contact the VodaLend Customer Service Centre at 086 010 2209 for further assistance.
Our Service Centre operating hours are:
Monday to Friday: 07:30 - 18:00
Saturday: 08:00 - 14:00
Public Holidays: Closed
Sundays: Closed