Welcome to ULZ Finance
Fast, Reliable Loans Tailored for You..
Unexpected expenses can strike at any time — ULZ Finance a division of ULZ Trading and Consultants (Pty) Ltd (CIPC Reg: 2024 / 551844 / 07) is here to help. With same-day loan payouts and a stress-free application process gives you the support you need, when you need it most. We are registered with National Credit Regulator (NCR) : NCRCP 21687
About ULZ Finance and Loans
ULZ Finance, a division of ULZ Trading and Consultants (Pty) Ltd (CIPC Reg: 2024 / 551844 / 07) is a South African-based alternative credit provider register with National Credit Regulator (NCR Nr : NCRCP 21687). ULZ is built on the values of fairness, empathy, and financial inclusion.
We understand that life happens — and sometimes people fall behind. We’re here to help you get back on track with loan solutions designed for real people with real challenges.
- We Provide Accessible Loans
- Promote Financial Inclusion
- Deliver Fast, Transparent Service
- Short-Term Financial Recovery
What We Do.
. Short‑Term Personal Loans
Loan Amounts: Borrow from R500 up to R5 000 to cover urgent expenses like medical bills, school fees, or car repairs
Next Pay Date Repayments
Term Lengths: Repay your loan on your next pay date or next 30 days, whichever comes first—our short-term advances are designed to align with your income cycle.
Fast Loan Approvals
Instant Decisions: Submit your application online and receive a lending decision within 48 Hours
No‑Settlement Fees
Save on Interest: You’re free to settle your loan before the due date without incurring any penalties.
How To Apply For a Loan
Why Choose ULZ Finance?
We offer Pay-Day loans ranging from R500 to R5000. Repayment terms are flexible and range from your next Pay Date or 30 Days, whichever comes first.
Whether you need to consolidate debt, pay for school fees, or cover unexpected expenses — ULZ Finance is here for you.
- Fast Approval Process
- Fast Approval Process
- Discreet & Respectful Service
- No Upfront Fees
FAQ'S
ULZ Frequently Asked Questions
1. What is ULZ Finance?
ULZ Finance, a division of ULZ Trading and Consultants (Pty) Ltd (CIPC Reg: 2024 / 551844 / 07) is a South African credit provider specializing in short‑term loans from R500 to R5 000, designed to bridge financial gaps until your next paycheck We prioritize affordability over credit history, ensuring fast access to cash when you need it most. Our operations are conducted in full compliance with the National Credit Act and under the oversight of the National Credit Regulato
2. How much can I borrow?
You may apply for any loan amount between R500 and R5 000, based on your declared income and expenses. Your maximum eligible amount is determined through our affordability assessment, not a credit‑score check.
3. How do I apply for a loan at ULZ Finance?
To apply, simply complete our secure online application form on the ULZ Finance website . Upload a clear copy of your South African ID, recent payslips (or proof of grant/pension), and a three‑month bank statement to verify your affordability. Submit your application, and you’ll receive an instant decision—funds can be in your account the same day upon approval .
4. What documents do I need to provide?
You will need to upload:
A copy of your South African ID (green barcoded or Smart ID)
Proof of income (recent payslips, pension/ad‐hoc grant letters)
A three‑month bank statement showing your salary or regular receipts
These documents allow us to assess what loan amount you can comfortably repay
5. How long does it take to get approved?
Once you submit your application and supporting documents, our automated system typically issues an approval decision within minutes to 48 Hours. Approved loans are disbursed on the same day, provided your banking details are accurate and processing cut‑off times are met
6. Are there any prepayment fees?
No. ULZ Finance does not charge any fees for settling your loan early. In fact, paying off your loan ahead of schedule can reduce the total interest you pay, thanks to Section 17 of the National Credit Act, which grants consumers the right to early settlement without penalty.
7. What are the repayment terms?
We offer flexible repayment plans tailored to your cash flow, with terms ranging from your next pay date or 30 Days maximum .
8. Can I apply if I’m under debt review or blacklisted?
Yes—ULZ Finance welcomes applications from clients under debt review or with adverse credit records. We focus on your current income and expense profile rather than past credit history, giving you a fair chance to access funds when traditional banks say “no”
9. Is ULZ Finance regulated?
Absolutely. ULZ Finance holds a valid credit‑provider registration with the National Credit Regulator, ensuring all our lending practices comply with the National Credit Act 34 of 2005 This licensing guarantees transparent fees, fair interest rates, and strict data‑privacy standards for every client.
Apply for Your Personal Loan Today – Simple, Fast, Trusted!
Our Compliance
As a division of ULZ Trading and Consultants (Pty) Ltd (CIPC Reg: 2024 / 551844 / 07), ULZ Finance is committed to transparent, ethical lending. We’re fully compliant with NCR regulations – NCRCP 21687 and your privacy is always protected. Our loan terms are clear—no hidden fees. From application to approval, our team is here to support you every step of the way.
Send Us a Message For Any Inquiries
Reach Out to Us for any Inquiries or Support
Location:
Johannesburg, South Africa
Phone:
- 060 769 4795
Email:
- info@ulzfinance.co.za
- apply@ulzfinance.co.za
Useful Links
Contact Info
- 060 769 4795
- Info@ulzfinance.co.za
- Johannesburg, South Africa