Moola Cash Loans (Pty) Ltd
Company Registration Number: 2025/897673/07
Effective Date: 13 October 2026
1. Introduction
These Terms of Service govern the use of the Moola Cash Loans website and the general online loan application process.
Moola Cash Loans (Pty) Ltd operates online from Bloemfontein, Free State, South Africa.
These terms must be read together with our Privacy Policy and any applicable credit agreement.
Nothing in these terms overrides rights or protections provided by South African law.
2. Our Services
Moola Cash Loans describes its loan product as follows:
Maximum Loan Amount: R2,000
Repayment Period: Three months
Approval: Subject to application review and assessment.
Eligibility requirements, interest rates, initiation fees, service fees, total repayment costs and credit life insurance arrangements remain subject to verification.
All applicable costs and contractual obligations must be disclosed to applicants before a binding loan agreement is concluded.
3. Regulatory Status
Moola Cash Loans has not yet obtained registration with the National Credit Regulator (NCR).
The company must establish its legal authorisation and satisfy applicable regulatory requirements before undertaking any activity requiring registration or approval.
No statement on this website should be interpreted as confirmation that Moola Cash Loans or its products are NCR registered or approved.
4. Applications and Documentation
Applications are submitted through QuinnPay.
Applicants currently submit:
- A valid identity document.
- Their latest payslip.
- Three months of bank statements.
Applicants must provide accurate, complete and authentic information.
Submission of an application does not guarantee approval or create an entitlement to a loan.
5. Credit Assessment
Moola Cash Loans uses XDS credit reports as part of its assessment process.
The Accounts Department reviews applications and makes final approval or decline decisions.
Assessments must comply with applicable credit, affordability, privacy and consumer protection requirements.
We may request additional information where reasonably necessary.
6. Loan Agreements and Disclosures
Where an application is approved and the company is legally authorised to conclude the transaction, the applicant must receive the documentation and disclosures required by applicable law.
These may include:
- Approved loan amount.
- Interest rates and fees.
- Repayment schedule.
- Total cost of credit.
- Applicable insurance arrangements.
- Default consequences.
- Customer rights and obligations.
The electronic agreement and signing arrangements provided through QuinnPay remain subject to verification.
7. Loan Disbursement
Where a valid credit agreement has been concluded and all conditions have been satisfied, approved loan funds are disbursed by EFT into the customer’s bank account.
Banking processing times may affect when funds become available.
8. Repayments
Customers repay loans through debit orders or EFT.
Repayment dates, amounts and payment arrangements must be stated in the applicable credit agreement.
Debit orders must be supported by appropriate customer authorisation and comply with applicable banking requirements.
The specific debit order provider and whether DebiCheck is used remain subject to confirmation.
9. Late Payments and Default
If a customer misses a payment, Moola Cash Loans may contact the customer to discuss the outstanding amount.
Any default interest, fees, collection costs or enforcement measures must comply with the applicable credit agreement and South African law.
Customers experiencing financial difficulties are encouraged to contact us promptly.
10. Third-Party Services
QuinnPay provides the online application platform.
XDS provides credit reports.
Banking institutions process disbursements and repayments.
The specific responsibilities and contractual arrangements of these providers are subject to confirmation.
Third-party services may also be subject to their own applicable terms and privacy notices.
11. Customer Responsibilities
Customers must provide accurate information, submit genuine documents, use the website lawfully and comply with the terms of any valid loan agreement.
Unauthorised access, fraudulent activity and interference with website security are prohibited.
12. Privacy and Data Protection
Personal information is handled in accordance with applicable privacy legislation.
For more information, see our Privacy Policy:
13. Marketing Communications
We may communicate with customers through WhatsApp, SMS, email and telephone calls, subject to applicable consent and direct marketing requirements.
Customers may opt out of promotional communications through WhatsApp or by emailing moolacashloans@gmail.com.
14. Website Availability
We aim to maintain a functional and secure website.
However, temporary interruptions may occur due to maintenance, technical issues or third-party service disruptions.
Nothing in these terms excludes or limits liability where prohibited by law.
15. Complaints and Dispute Resolution
Customers may submit complaints to:
Email: moolacashloans@gmail.com
Complaints Representative: Joe
The complaints procedure is as follows:
- Submit the complaint by email with the relevant details.
- Joe will review the matter and coordinate an investigation.
- We aim to provide an initial response within three working days.
- Where the complaint requires further investigation, we will communicate the next steps.
- Unresolved complaints may be escalated internally to management.
- Customers retain the right to approach relevant statutory or regulatory bodies or pursue other remedies available under South African law.
This procedure does not restrict customers’ statutory rights.
16. Intellectual Property
Website content owned by Moola Cash Loans, including its branding, text and graphics, is protected by applicable intellectual property laws.
Unauthorised commercial reproduction or distribution is prohibited.
17. Changes to These Terms
We may revise these Terms of Service to reflect operational, technological or legal changes.
Updated terms will be published on our website.
Changes to website terms do not automatically amend existing credit agreements.
18. Applicable Law
These terms are governed by the laws of the Republic of South Africa.
Disputes will be handled in accordance with applicable law and the jurisdiction of competent courts or statutory dispute-resolution bodies.
19. Contact Information
Moola Cash Loans (Pty) Ltd
Registration Number: 2025/897673/07
Operating Location: Bloemfontein, Free State
Postal Address: PO Box 13044, Noordstad, Bloemfontein, Free State, 9302
Email: moolacashloans@gmail.com
Website: https://moolacashloans.co.za/