Loans Against Trucks

Lamna offers fast, reliable loans against trucks – so if you need funds for yourself or your business, you can use a truck to get a short-term loan.

To get a loan against a truck or bakkie, simply apply online, giving us the details of your vehicle – including year, manufacturer, model and mileage.

We’ll get back to you over the phone with an initial loan offer.

If you agree to our valuation and terms, arrange to come in to one of our offices. We’ll inspect the vehicle and, if you choose to proceed, finalise our agreement. Then we’ll transfer the funds into your bank account instantly, while you’re still in our office.

For the loan period, we’ll keep your truck in a secure, access-controlled facility. Once you’ve repaid the loan and agreed interest, it will be safely and swiftly returned to you.

We believe we offer the best loans against trucks in South Africa. Our rates are competitive, we don’t charge any hidden fees or penalties and our process is discreet, transparent and fast. We also comply fully with the National Credit Act guidelines.

To borrow money against your truck, the truck must be fully paid for and registered in your name.

Documents required for loans on trucks:

  • the vehicle’s registration documents, which must be in your name or your company’s name
  • your ID
  • proof of address.

Raise Capital From Your Truck

Mercedes Truck and Trailer

Loan Offer
R450 K

Ford Ranger

Loan Offer
R275 K

Speak to a consultant

086 111 2866

or Apply online

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Speak to a consultant

086 111 2866

or Apply online

Find out more
Watch our video to learn more about how Lamna creates liquidity.

Find out more about getting a loan with a truck as collateral
Have Questions?
Know more and read our FAQ or contact us if you have any queries.
Read the FAQ Get in Touch

refer a friend and if they pawn their truck we will pay you cash
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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%