Frequently Asked Questions

We strive to provide the best support, always. If you have a question that is not covered below, let us know. We'd love to help you!

What do I need to qualify for a Dola loan?


  • to be between 18 to 65 years old;
  • to have a valid ID or passport number;
  • to have your own personal bank account (not a business account or joint account) with Capitec, Nedbank, Standard Bank, ABSA, FNB, African Bank, or Tymebank.
  • to have your own cell phone number and email address (which will be verified during the application process);
  • to get a monthly salary of above R5 500 that is paid on about the same day every month;
  • to be able to afford the Dola Money loan instalment (we determine that through your credit record and bank statements).

Why don’t you assist weekly, fortnightly, self-employed clients?

The reason why it is a criteria to get a monthly salary (i.e. one amount of more than R5 500 paid into your account on the same day every month), is because we must set up a debit order for a specific day of the month. Our system links the debit order date to the specific day of the month when the salary is paid into your account. Weekly / fortnightly and self-employed customers don’t have such a fixed monthly date on their bank statements.

Do I need to pay upfront fees?

NEVER! If anyone asks you for an upfront fee to get a loan, know that you are most probably dealing with a scammer. Also note that Dola Money does not give loans via WhatsApp or have agents who do applications on your behalf. The ONLY way to apply for a Dola Money loan is ONLINE at, by YOURSELF. Please report any fraud immediately to

What if I get stuck during the application process, whom can I contact for assistance?

Please contact for assistance. Please be specific about the specific problem that you are experiencing, so that we can assist you more efficiently.

How can I know upfront if my application will be approved or declined?

Whether an application is approved depends mainly on the current information on your bank statements, so we unfortunately cannot tell you upfront if you qualify or for how much you qualify, before the system has assessed your bank statements.


  • If you are under debt review, or if a debt review company did an enquiry on your credit report in the past 6 months.
  • If you were recently handed over or an account was recently written off;
  • If your credit report or bank statements show a trend of several unpaid or disputed debit orders;
  • If you are not permanently employed;
  • If you are paid weekly, or get paid every two weeks, or if you are self-employed;
  • If your bank statements do not show a monthly salary payment of more than R5,500 per month, on about the same day of every month;
  • If more than 65% of your salary goes to fixed monthly expenses (for example debit orders and rent);
  • If the name that you registered with on Dola Money differs from the name on the credit report or the bank statement.
  • If the bank statements that you submit are edited in any way, or are not yours.
  • If you had a previous Dola Money Loan and reversed an instalment.

What bank statements must I submit if I want to apply but I recently started using a new account?

We need 3 months statements, so simply submit statements from both banks to make up the 3 months period.

How long before I receive the money?

You should be able to see the money in your account within 10 minutes from accepting the DebiCheck mandate.

How much can I borrow?

The maximum loan clients can apply for is R3 000. Once you have qualified and paid up 3 x R3 000 loans, the system will automatically show an option for R5 000 up to 6 months.

Are my banking details safe?

With the TruId system your banking details are not stored by us. We simply get access to the last 90 days of activity on your bank account. We use this information to asses your ability to repay a loan.

How will taking out a Dola loan affect my credit profile?

Taking out a Dola loan and repaying it on time has a positive impact on your credit history. This, in turn, may help you when you need to apply for credit again in the future :) If, on the other hand, you take out a loan and you do not repay it on time, then it will negatively affect your credit score.

Can I have more than one Dola loan at the same time?

We care about you and your financial health and we know how tempting it can be to borrow more cash than you need (or can afford to pay back), so as responsible lenders we only allow you to take out one Dola loan at a time.

I have a current Dola Money loan. Can I get a "top up" on my loan?

Unfortunately not. If you have a current open loan no additional money will be loaned until the current loan is paid off.

Can I get a loan if I am under debt review?

Unfortunately not. However, once you have completed the debt review process and all your debt is paid off, you will receive a clearance certificate which is known as Form 19. Your debt counsellor will notify the credit bureaus that you no longer have any outstanding debt, and once they have removed the ‘under debt review’ flag from your credit profile, you will be able to take out credit again.

How do I change my bank details while I have an existing loan?

Please email us at with the request and a proof of account letter from the bank with the new bank account details. We will change the details on the system and send you a new debicheck mandate for the new account.

How do I change my employment details while I have an existing loan?

Please email our friendly staff at with the new employment details. If you want to change your debit order date, please include proof of the new employment and salary date. Upon receiving proof, we will amend the debit order date and send you a new debicheck mandate.

Why can I not apply again immediately, if my application was declined?

If your application was declined, it means that there was something on your credit report or bank statements that did not meet the Dola Money criteria. The system then blocks a new application so that time can pass, so that the system will be able to see a new trend on your credit report / bank statements when you apply again. (Depending on the reason, a block can be from 1 month to permanent).

Who can I contact with a complaint?

Simply email with your complaint and any supporting documents.

Why did you debit my account earlier than the mandate date?

The system chooses the normal debit order date based on the days that your salary payment showed on the bank statements that you submitted. When your normal debit order date falls over a weekend or public holiday, the debit order is usually submitted for that Friday.

What if the debit order date is earlier than my salary date (maybe because of delayed salary payment)?

In the debit order industry, they understand that payments are sometimes erratic and that is why they make provision for what is called “tracking”. That means the debit order will patiently wait for a few days (without any negative effect on you) and will just go off when the money comes in during that waiting period. Dola Money debit orders usually track for 5 days.

Why was my account not debited?

There may be a few reasons - from banking issues to system downtime. To make sure that you do not fall behind on your payments, please make sure to pay the instalment directly to Dola Money. Our banking details are: Dola Money, Capitec BUSINESS Bank; 1050912624 PLEASE USE YOUR ID NUMBER AS REFERENCE.

Can you remove my details from your system?

Unfortunately, not. It is a legal requirement that we must keep records for between 3 – 7 years (depending on the specific type of information / document).

I did not get the verification email.

It may be that the email is in your spam folder. Do a search for “Dola” in your email to see if it is there. If not, you are welcome to send an email to from the email address that you registered with, with the subject heading “Verify my email address”. We will then mark your email address from our side as verified.

The system does not want to accept my email address.

Please try to type the email address out instead of copying / pasting it and make sure that there are no spaces before or after the email address. (Sometimes when you copy and paste it, it may be copying code in the background that you may not be aware of and that is causing the error).

I forgot my login details.

Please send an email to with the subject heading “Forgot my login details”. We will assist you with your login details, after you have answered some security questions.

How does Dola adhere to its policy of responsible lending?

Dola Money developed systems and processes to carry out a proper credit risk assessment to ensure that the client can afford the loan. If the assessment shows that the consumer cannot afford the loan based on the assessment conducted, the application is rejected, despite any number of previous loans successfully paid.