What can we do for you?

At Mhlongo Shield Holdings, we are committed to providing exceptional Short term loans up to R5000 options tailored to meet the needs of low-income families in South African townships. Explore our range of services below to find the solution that best fits your needs.

Our services

Shield Express Loans

  • Loan Amount: R500 to R900
  • Repayment: 1 Month
  •  Apply Now!
  • Shield Standard Loans


  • Loan Amount: R1000 to R1400
  • Repayment: 2 Months
  •  Apply Now
  • Shield Advantage Loans


  • Loan Amount: R1500 to R2000
  • Repayment: 3 Months
  •  Apply Now
  • Shield Extended Loans


  • Loan Amount: R2100 to R3000
  • Repayment: 4 Months
  •  Apply Now
  • Shield Elite Loans


  • Loan Amount: R3100 to R4000
  • Repayment: 5 Months
  •  Apply Now
  • Shield Ultimate Loans


  • Loan Amount: R4100to R5000
  • Repayment: 6 Months
  •  Apply Now
  • Shield Express Loans

    Amount: R500 to R900
    Repayment Period: 1 Month
    Interest Rate: 5%

    Why Choose SHIELD EXPRESS?
    Need quick cash to cover unexpected expenses? Our SHIELD EXPRESS LOAN is designed for fast, flexible financial relief. With a straightforward repayment period of just 1 month, you can manage small, urgent needs without long-term commitments. Ideal for covering bills, emergencies, or minor purchases, this loan ensures you get the support you need without delay.

    Additional Benefits:

    1. Fast Approval: Get your funds quickly with minimal paperwork.
    2. No Collateral Needed: Access funds without needing to secure against assets.
    3. Flexible Usage: Ideal for various small expenses like medical bills or car repairs.
    4. Simple Repayment: Easy to manage with just one month of repayment.
    5. Transparent Terms: Clear and straightforward loan conditions with no hidden fees.

    Benefit: Immediate access to cash for urgent needs without the burden of long-term debt.

    Shield Standard Loan 

    Amount: R1,000 to R1,400
    Repayment Period: 2 Months
    Interest Rate: 5%

    Why Choose SHIELD STANDARD?
    For those who need a bit more time to repay, the SHIELD STANDARD LOAN provides a manageable 2-month period. Perfect for medium-sized expenses such as home repairs, medical bills, or planned purchases, this option offers a balanced approach to getting the funds you need while allowing you to spread out repayments comfortably.

    Additional Benefits:

    1. Extended Repayment: Spread your payments over 2 months for better cash flow management.
    2. Moderate Loan Amount: Ideal for medium-sized needs like home or car repairs.
    3. No Hidden Fees: Transparent loan terms with no unexpected costs.
    4. Easy Application: Quick and straightforward application process.
    5. Customer Support: Dedicated support to assist with any loan-related queries.

    Benefit: Convenient repayment period for managing moderate expenses without stress.

    Shield Advantage Loans

    Amount: R1,500 to R2,000
    Repayment Period: 3 Months
    Interest Rate: 5%

    Why Choose SHIELD ADVANTAGE?
    The SHIELD ADVANTAGE LOAN offers extended flexibility with a 3-month repayment term. Ideal for larger purchases or consolidating smaller debts, this loan provides the advantage of a longer time frame to manage your payments, making it easier to budget and plan for significant expenses without feeling rushed.

    Additional Benefits:

    1. Three-Month Term: Longer repayment period to ease financial planning.
    2. Higher Loan Amount: Suitable for larger purchases or consolidating debts.
    3. No Collateral Required: Access funds without the need for security.
    4. Flexible Usage: Use the loan for various purposes such as travel or major repairs.
    5. Efficient Processing: Quick processing time to get funds when you need them.

    Benefit: Enhanced flexibility to manage larger expenses or consolidate debts over a longer period.

    Shield Extended Loans

    Amount: R2,100 to R3,000
    Repayment Period: 4 Months
    Interest Rate: 5%

    Why Choose SHIELD EXTENDED?
    If you’re looking for a substantial loan with a bit more breathing room, the SHIELD EXTENDED LOAN is perfect. With a 4-month repayment period, this option is great for major expenses like home improvements or significant investments. Enjoy the peace of mind that comes with a longer repayment term while still receiving the funds you need promptly.

    Additional Benefits:

    1. Four-Month Repayment: Extended period for managing larger loans.
    2. Flexible Usage: Ideal for significant investments or home renovations.
    3. High Loan Amount: Access a substantial amount to cover more significant needs.
    4. No Hidden Costs: Clear terms with no hidden fees.
    5. Supportive Customer Service: Dedicated help throughout the loan term.

    Benefit: Greater loan amount with an extended repayment term for handling larger financial needs comfortably.

    Shield Elite Loans

    Amount: R3,100 to R4,000
    Repayment Period: 5 Months
    Interest Rate: 5%

    Why Choose SHIELD ELITE?
    Elevate your financial flexibility with the SHIELD ELITE LOAN. With a generous 5-month repayment period, this loan is ideal for substantial financial needs, including larger projects or debt consolidation. Benefit from the extended timeframe to comfortably manage your repayments while accessing the funds necessary to achieve your goals.

    Additional Benefits:

    1. Five-Month Term: Extended period for easier repayment management.
    2. Larger Loan Amount: Perfect for significant projects or large purchases.
    3. No Collateral Needed: Access funds without securing against your assets.
    4. Transparent Terms: Clear and straightforward loan details.
    5. Fast Processing: Efficient loan processing to get you the funds quickly.

    Benefit: Ideal for major expenses with the flexibility of an extended repayment period and substantial loan amount.

    Shield Ultimate Loans

    Amount: R4,100 to R5,000
    Repayment Period: 6 Months
    Interest Rate: 5%

    Why Choose SHIELD ULTIMATE?
    For the ultimate in financial support, the SHIELD ULTIMATE LOAN offers the highest amount with the longest repayment period of 6 months. This loan is perfect for major expenses, including significant investments or large-scale projects. Enjoy the most extended repayment term and the highest loan amount, providing you with ample time to manage and pay back the loan.

    Additional Benefits:

    1. Six-Month Repayment: Maximum flexibility with the longest repayment period.
    2. Highest Loan Amount: Access the largest amount to meet substantial needs.
    3. No Collateral Required: Secure funds without needing personal assets.
    4. Clear Terms: Transparent and easy-to-understand loan conditions.
    5. Dedicated Assistance: Support throughout the entire loan period for any queries.

    Benefit: Comprehensive support for large-scale expenses with the most extended repayment term and highest loan amount available.

    What are people saying?

    "The poverty of the poor is not their fault; it is the fault of the system. Microfinance is the way to help them out."

    Dr Muhammad Yunus

    Founder of Grameen Bank, Nobel Peace Prize Laureate

    microfinance provides an important opportunity for poor people to access capital, but it’s crucial to combine it with support systems that ensure their sustainable success.

    Nancy Birdsall

    President of the Center for Global Development