Reach employed borrowers
at the point of need.
Ulalo connects vetted lenders to verified, employed borrowers — with payroll-linked repayment and affordability built in, so you lend to people who can comfortably repay.
Better borrowers,
lower risk.
Employment and income, verified
Every borrower comes with confirmed employment and earned-wage data — not a self-reported guess. You price risk on real signals, at the moment a need appears.
- →Confirmed employer and tenure
- →Real earned-wage history
- →Demand surfaced at the point of need
Repaid straight from payroll
Instalments are collected through the employer's single payroll deduction and reconciled by Ulalo, well inside the statutory cap — materially lowering default risk versus open-market lending.
- →Payroll-linked collection
- →Within the enforced deduction cap
- →Reconciled and reported every cycle
A new channel
to good risk.
Licensed.
Fair. Transparent.
Be licensed
Only lenders licensed and in good standing with the regulator can offer credit on the marketplace.
Price it plainly
Total cost, term, and instalments are shown to borrowers up front. No hidden fees, no dark patterns.
Respect the cap
Every offer must pass affordability and sit within the statutory deduction limit before it's shown.
Become a
partner lender.
Tell us about your portfolio and we'll walk you through onboarding.
Talk to partnerships →