Short-term credit, plainly explained
Short-term credit from R500 to R8 000, repaid in a single instalment after 30 days. Karhulo introduces you to a registered credit provider; it is not the lender.
Credit is provided by Mothego Finance (Pty) Ltd, a registered credit provider (NCRCP18618), registration 2020/098741/07. Karhulo Financial Services introduces customers to Mothego Finance (Pty) Ltd's product; it is not the lender.
410 Ilanga Crescent, Thokoza, Tweefontein, Kwamhlanga, 1022
What a repayment could look like
This is an illustrative example only, not a quote or an offer. Your actual cost depends on Mothego Finance (Pty) Ltd's affordability assessment and the fees that apply to your application.
Before you sign anything, Mothego Finance (Pty) Ltd will show you the exact total cost in rands for your own application — this example is only here to give you a sense of what a repayment looks like.
Four steps, start to finish
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Submit your details
Tell us the amount you need — between R500 and R8 000 — and the best time to reach you.
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Mothego assesses your application
Every application is assessed for affordability before anything is approved.
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Sign directly with Mothego
If you're approved, you sign the credit agreement with Mothego Finance (Pty) Ltd — the registered credit provider, not Karhulo.
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Receive your funds
You repay in a single instalment 30 days after you're paid out.
What you can expect
Sized for short-term needs
Borrow between R500 and R8 000 — enough to cover a short-term gap.
One repayment, one date
A single instalment 30 days after you're paid out, not a drawn-out repayment schedule.
Costs capped by law
Interest, the initiation fee and the service fee all stay within National Credit Act limits.
Clear terms, no surprises
The full cost in rands is shown to you before you sign anything.
Affordability comes first
Every application is assessed to make sure the repayment is realistic for you.
Common questions
How much can I borrow?
Between R500 and R8 000.
How do I repay it?
In a single instalment, 30 days after you're paid out.
What will it cost me?
Interest, the initiation fee and the service fee all stay within National Credit Act limits, and you'll see the full cost in rands before you sign anything.
Who is the actual credit provider?
Mothego Finance (Pty) Ltd, a registered credit provider (NCRCP18618), registration 2020/098741/07. Karhulo Financial Services introduces you to Mothego's product; it is not the lender.
What do I need to apply?
Your name, a contact number, the amount you'd like to borrow, and the best time to reach you. An email address and any extra notes are optional.
Start your application
Message us on WhatsApp, or fill in the form below — either way, we'll get back to you.
Mothego Finance (Pty) Ltd — 410 Ilanga Crescent, Thokoza, Tweefontein, Kwamhlanga, 1022.
To lodge a complaint with the National Credit Regulator: 0860 627 627 or complaints@ncr.org.za.
Please only borrow what you can comfortably afford to repay. If you're worried about debt, free help is available from the National Credit Regulator or a registered debt counsellor.