How to Apply

The process is quick, professional and completely discreet. Simply complete and submit the application form, providing as much detail as possible about the item(s) you want to use as collateral for a loan. Once you’ve done this, we will contact you and arrange a convenient time to appraise the asset, conclude a secure loan agreement and transfer funds to you.

Getting started 01

Apply online or give us a call
Apply for a loan simply by completing the form and clicking Send, or phone us at 086 111 2866. The more information you give us about the asset you want to use as collateral, the better. Once you’ve submitted the form, we’ll get back to you with an initial indication of the loan we can offer you.

The appraisal 02

Bring your asset for appraisal
The next step is to make an appointment to meet us at one of our offices. We’ll perform an appraisal of the asset you want to use as collateral and make a final loan offer, which you’re free to accept or reject.

Finance 03

Conclude an agreement and get your funds
To conclude the loan agreement, we’ll ask you to sign the loan contract and provide a copy of your ID and proof of residence. We’ll then,  while you’re still in our offices make an electronic funds transfer into your account which will be available immediately. Your valuables will be stored securely at our facilities.

Speak to a consultant

086 111 2866

or Apply online

Secured Business Loans
Have Questions?
Know more and read our FAQ’s or contact us if you have any queries.
Read the FAQs Get in Touch

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%