Founder offer — R829/month locked for 12 months for NCR-registered microlenders signing up before 31 August 2026.

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AI-Powered · Built exclusively for SA Microlenders

The lending platform that
runs your entire operation

Applications, loans, NCR compliance, AI credit scoring, borrower portal — all in one intelligent platform built for South African microlenders.

Start your free trial →Talk to sales

No credit card required · 14-day free trial · Setup in 5 minutes

mali.vulacheck.com/dashboard

Active Loans

47

R 284,500

This Month

R 28.4k

12 loans

Repayment

94.2%

↑ 2.1%

Monthly Disbursements

Repayment Trend

500+

Loans managed

100%

NCR compliant

R 0

Setup fee

5 min

To go live

Everything your lending business needs

Intelligent Credit Analyst

AI Credit Scoring

VulaCheck AI analyses every application against affordability, bureau data, and your own risk criteria in seconds. Full PDF report included.

Regulatory

NCR Compliance Built In

Auto-generate Form 39, Form 40, affordability assessments, and NCR-compliant decline notices. Zero manual work.

Branding

White-Label Borrower Portal

Your logo, your colours, your domain. Borrowers apply and manage loans under your brand — not VulaCheck's.

Finance

Complete Financial Reports

Income statement, balance sheet, cash flow, and portfolio reports. Export to PDF or Excel for your accountant.

Collections

DebiCheck & Collections

Manage DebiCheck mandates, track arrears by band, and automate SMS payment reminders with BulkSMS.

Operations

Multi-Branch Support

Run multiple physical branches from one account. Branch-level reporting, borrower assignment, and loan tracking.

HOW IT WORKS

Get started in 3 steps

From sign-up to first disbursement, most lenders go live the same day.

STEP 01~5 min

Create your account

Sign up and verify your business in minutes. No credit card required during your free trial.

Email + OTPNCR numberFounder details
STEP 02~15 min

Configure your portal

Upload your branding, set up loan products at NCR-compliant rates, and invite your team.

BrandingLoan productsTeam invites
STEP 03Same day

Start lending

Publish your borrower portal and start processing applications with full audit trails from day one.

Borrower portal liveFirst applicationFirst disbursement
Start free trial →

Simple, transparent pricing

14-day free trial on all plans · No setup fees · Cancel anytime

Founder offer: R829/month locked for 12 months for NCR-registered microlenders signing up before 31 August 2026.

Starter

R 1,299/mo
  • 5 VulaCheck credits/month
  • Single branch
  • DebiCheck integration
  • Loan agreements & OTP signing
  • NCR compliance reports
  • Basic finance module
Get started

Growth

Most popular
R 1,999/mo
  • 10 VulaCheck credits/month
  • Multi-branch support
  • Reconciliations & data import
  • DebiCheck integration
  • Full finance module
  • Priority support
Get started

Pro

R 3,499/mo
  • 25 VulaCheck credits/month
  • Multi-branch support
  • Reconciliations & data import
  • DebiCheck integration
  • Custom domain
  • API access
Get started

All prices exclude VAT · Credits consumed per assessment · Unused credits carry forward · Need more? Contact us →

From the VulaCheck Blog

What Is NCR Form 39? Submission Guide for South African Microlenders
NCR Compliance

What Is NCR Form 39? Submission Guide for South African Microlenders

NCR Form 39 is a mandatory statistical return for registered South African credit providers. Learn who must submit it, what data is required, key deadlines, common mistakes, and how VulaCheck helps mi

Read more →
View all articles →

Ready to modernise your

lending operation?

Join 50+ microlenders already using VulaCheck to manage their business.

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