Requirements and eligibility are as follows: 18 years old and above Have a valid original NRC/Driver’s license or Passport Be in full employment with an active bank account if looking for a personal loan Actively trading in a business for more than 6 months if looking for a business loan Holder of a registered mobile phone number
Valid ID (NRC, passport or driving licence) Latest payslip (stamped) Bank statement for the last 1 month Letter of introduction from employer (on headed paper) You can upload these documents online during your online application via our website.
The monthly interest rate varies depending on the loan product, for more information, please check type of loan section on the home page for precise rate.
For public sector loans, deductions are made from the salary on every pay day (salary sacrifice). You can also pay via mobile money, e.g. Vitpay Wallet or other wallets. You can also pay via your bank account.
If you cannot pay off the entire loan on your next repayment date, but can only make the payment after, we can offer you a pay later facility. There will be a late penalty fee added to the loan balance. If payment is not received at all, we will initiate our debt collection process.
We are open Monday to Friday from 08:00 to 17:00hrs weekdays only and 08:00 to 13:00 Saturdays only. We are closed on Sundays and all public holidays.