Website terms of use

Last updated: 12 October 2026

These terms apply to your use of marlincredit.co.za (the “website”), which is owned and run by Marlin Credit (Pty) Ltd (“Marlin Credit”, “we”, “us”). By using the website you agree to these terms. If you don't agree, please don't use it.

1. About us

Marlin Credit (Pty) Ltd is a registered lender (credit provider), not a broker. We are registered with the National Credit Regulator as a credit provider, registration number NCRCP327. We are a certified member of the Credit Association of South Africa (CASA) (casa.co.za).

2. Our service

We provide bridging finance: loans to South Africans who are waiting for a lump-sum payout, such as a pension or provident fund payout. Loan agreements run for 61 to 180 days, depending on when your payout is expected. You repay once, as set out in your loan agreement, and early settlement is accepted. Our costs page explains our fees and the interest we charge, and you see the full cost of credit in your quote and loan agreement before you sign.

3. Information on this website is general

• The information on this website is general information. It is not financial advice, and it is not an offer of credit.
• All credit is subject to an affordability assessment in terms of the National Credit Act, and to our other lending conditions. We may decline an application.
• Results from the cost calculator and the eligibility check are estimates only. Your quote and your signed loan agreement set out the terms that apply to you, and they take precedence over anything on this website.

4. Applying through the website

Sending the application form is an enquiry, not a loan agreement, and it does not oblige you or us to enter into one. A loan agreement exists only once it has been approved and signed. We never charge upfront fees: if anyone asks you to pay before you receive a loan in Marlin Credit's name, it is a scam (see how to spot a bridging loan scam).

Please give us true and complete information about yourself, and apply only for yourself or with the authority of the person you are applying for.

5. Using the website

You may use the website for lawful purposes only. You may not:

• use it in a way that breaks any law, or that infringes anyone else's rights;
• try to gain unauthorised access to the website, its servers or the systems connected to it;
• interfere with how the website works, or introduce malicious code; or
• send false, misleading or another person's information without their authority.

6. Intellectual property

The content of this website, including its text, graphics, illustrations and the Marlin Credit name and logo, belongs to Marlin Credit or is used with permission. The CASA logo belongs to CASA and is used with its approval. You may view and print pages for your own personal use, but you may not copy, change or reuse the content for any other purpose without our written permission.

7. Links to other websites

The website links to other websites and services, such as WhatsApp and the regulators' websites. We don't control them and are not responsible for their content or their privacy practices.

8. Accuracy and availability

We work to keep the website accurate and up to date, and we may change it at any time. The website may sometimes be unavailable, for example during maintenance.

9. Liability

To the extent the law allows, Marlin Credit is not liable for any loss or damage that arises from using the website, from the website being unavailable, or from relying on its general information. Nothing in these terms limits any right you have under the National Credit Act or any other law that cannot be limited or excluded.

10. Privacy and cookies

Our privacy policy explains how we handle personal information and how we protect it, and our cookie policy explains the cookies the website uses and how to change your choices.

11. Complaints

Our complaints page explains how to complain to us and how to escalate a complaint to the National Credit Regulator or the Information Regulator.

12. Governing law

These terms are governed by the law of the Republic of South Africa.

13. Changes to these terms

We may update these terms from time to time. The date at the top of this page shows when they last changed, and the version on this page at the time you use the website applies.

14. Contact

Questions about these terms: info@marlincredit.co.za or 021 949 0930.