Ulalo/Product/Loan marketplace
When wages aren't enough

Borrowing,
clearly named.

Sometimes a worker needs more than they've earned. When that happens, licensed partner lenders compete to offer fair, affordability-checked credit — always shown as a separate, deliberate choice.

How the line stays sharp

Never blurred
into "your money."

App screen slotClear screen marking this as a loan, distinct from wages
A separate choice

It's always labelled as a loan

Wage access and borrowing live in different places, named differently, with different colours and language. A worker is never nudged into debt while reaching for their own earned wages.

  • →Distinct flow, distinct wording
  • →Total repayable shown up front
  • →No dark patterns, no pre-ticked boxes
Lenders compete

Licensed lenders bid for the loan

Instead of one take-it-or-leave-it rate, vetted lenders offer competing terms. The worker sees the real cost of each and chooses — or walks away.

  • →Only licensed, vetted partners
  • →Affordability checked against the deduction cap
  • →Repaid through payroll, one clean line
App screen slotA short list of offers with clear rates
Protections built in

Fair by default.

i.

Affordability first

Every offer is checked against earned income and the statutory deduction cap before it's ever shown.

ii.

One repayment

Loan repayments flow through the same single payroll deduction — never a tangle of competing orders.

iii.

Real transparency

Total cost, term, and each instalment are shown plainly before anyone agrees to anything.

Good to know

Questions

Is Ulalo the lender?+
No. Ulalo is the marketplace. Licensed partner lenders provide the credit; we make their offers comparable, affordability-checked, and clearly separated from wage access.
Does this put my staff into debt?+
It's designed to do the opposite. Wage access — interest-free, recovered on payday — is always offered first. Borrowing is a clearly-named, separate, capped option for when wages genuinely aren't enough.
How are lenders chosen?+
Only licensed, vetted partners can participate, and every offer must pass affordability and cap checks before a borrower sees it.
How is a loan repaid?+
Through the same single payroll deduction as everything else, reconciled in the deduction console — so it never compounds into a web of competing orders.

Credit that's honest
about being credit.

See how the marketplace keeps borrowing fair, capped, and clearly separate.

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