Refer a Friend

Refer a friend in 3 easy steps and get a once-off referral fee.
1, Enter your name and email address. 2, Enter your friend’s name, email address and telephone number. 3, Submit the form

If your friend secures a loan with us in excess of R20,000, you will get a R2,000 once-off referral fee.

All referral fees will be paid on the 10th of the month in the month following the referral.

Terms and conditions:

  • The Refer a friend promotion may not be used for commercial purposes.
  • You may NOT refer family members.
  • Your friend must be approved for a loan of at least R20,000.
  • It must be your friend’s first loan application.

If we think that you are using the ‘refer a friend’ promotion for commercial purposes, we reserve the right to block your ‘refer a friend’ code and withhold any payment due to you without notice. An investigation will be carried out. If we believe you have breached our terms and conditions, you will not be allowed to participate in the ‘refer a friend’ promotion.

Refer a friend

  • This field is for validation purposes and should be left unchanged.

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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%