Short-term personal loans you apply for, follow and repay from your phone — no branch, no queue, no paperwork to post.
You fill in who you are, what you need and when you can pay it back. No printed forms, no scanned bank statements sent by email.
If your application goes through, the amount is transferred to the account in your name — not to a card you have to collect or a voucher you have to spend.
Open the app and see what you could borrow today. Checking the limit is not the same as applying, and it does not commit you to anything.
Pick a schedule that lines up with when you get paid. Every instalment, its date and its amount are written out before you agree to anything.
Submitted, under review, approved, transferred, repaid — each stage shows in the app, with the next date on the home screen.
Ask a question and you get a reply written by a person, in the same language you asked it in. No scripts, no small print read out at you.
Four things, named the way customers name them. What you are offered depends on your application and the checks behind it.
A small, short loan for someone using ALPACA MULY for the first time.
The same loan, repaid in several parts instead of one.
For customers who have repaid before and already have a profile with us.
A look at what you could borrow, without starting an application.
Amounts, terms and costs are set by your application and the checks we run. Nothing is agreed until you have read the full terms in the app and accepted them. Borrowing costs money — only take what you can repay.
No marble counters. This is where our customers open the app and where their questions land.
Amount, how long for, and the basics about you. It is a form, not an interview.
Identity and affordability, the ordinary ones any lender runs. You stay in the app while it happens.
Cost, dates and every instalment are shown in full before you accept. If it does not suit you, you close the app and nothing happens.
Once you accept, the transfer goes to the bank account in your name and the status updates on your home screen.
Each instalment shows with its date. Pay early if you want to — the app shows what that changes before you confirm.
The part I liked was seeing every instalment written out before I agreed. I knew exactly what I was signing up to.
Applied on my phone during a lunch break. The status kept updating so I never had to ring anyone to ask where it was.
I asked a question about changing my payment date and got a normal, human answer back. Not a template.
Not sure which option fits, or want something explained in plain words first? Leave your name and we will come back to you.
Your question is with our customer team and someone will get back to you shortly by email.
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