We are a trusted and properly accredited financial services provider, offering asset-based loans at multiple branches across South Africa. We also comply fully with the National Credit Act guidelines.

The logo of the National Credit Regulator.

National Credit Regulator

Lamna is a registered credit provider (registration number NCRCP7428). Read about what this means for our customers. You can also confirm our listing with the NCR here – simply search for our company name or registration number.

The logo of the South African police service.

South African Police Service
Lamma is registered with the South African Police Service in terms of Section 3(3) of the Second-Hand Goods Act 6 of 2009.

The logo of the Financial Services Board.

Financial Services Board
Lamna Financial (PTY) LTD is a licensed financial services provider. Our FSB registration number is 46335.

Why consider lamna?

  • a reputable FSP, in operation for many years
  • physical branches across South Africa and in Gaborone, Botswana
  • positive customer reviews (and regularly cited in mainstream media)
  • ethical and transparent practices
  • committed to protection of privacy.

Ethical and transparent practices

We explain terms in straightforward language. Our interest rates are NCR compliant – and we don’t charge hidden fees or penalties.

We comply fully with all NCR and FSB regulations and guidelines. Our registration with these authorities gives our customers added peace of mind.

Protection of privacy

We do not share customers’ personal details or information about customer transactions with any third party.

Unlike banks, for example, we don’t share information with credit bureaus.

We have a comprehensive POPIA privacy and data protection policy.

Conflict of interest policy

In keeping with the General Code of Conduct for Authorised Financial Services Providers and Representatives, 2003, Lamna has a clear conflict of interest policy.

This policy protects customers against situations involving potential conflicts of interest. It ensures management of such conflicts in accordance with the Financial Advisory and Intermediary Services Act, 2002 (FAIS).

Speak to a consultant

086 111 2866

or Apply online

APR & Loan repayment period

Fixed rates range from 36% to 60% APR and payment options range from minimum 3 to maximum 24 months. Apart from the initiation and monthly fees shown below, the only additional fee is credit life insurance if the borrower does not have this already.


All accounts may be renewed if they are up to date.


All payments are made via EFT or direct deposits into Lamna’s bank account. There are no debit orders.


Non-payments may result in the matters being escalated.

Illustrative example

Client borrows R10,000 for 90 days.

Loan Amount Repayment Period Monthly Repayment Total Cost of Loan Initiation Fee Monthly Fee
(Interest + Service charge)
R10 000 3 months R568.40 R12 902.20 R1 197 R560 60%