Payroll Loan

Swift financial support for salaried employees

Providing fast support for salaried employees, with quick access to loans, enhancing living conditions, and meeting personal needs.

Discover the payroll advantage

With quick access to loans to enhance your living conditions and address personal needs.

  • Tailored Credit: Explore credit flexibility with amounts ranging from MWK500,000 to MWK20 million, tailored to meet the diverse needs of businesses.

  • Affordable Rates: Benefit from affordable interest rates, ranging from 5.5% to 6% per month, ensuring cost-effective financing for your business endeavors.

  • Flexible Repayment: Customize your repayment plan with flexibility, offering terms ranging from 6 to 24 months, aligning with your business’s unique landscape.

  • Streamlined Process: Save time with our quick and easy application process, ensuring a seamless experience.

  • Loan Protection: Gain peace of mind with our loan protection, offering insurance cover securing both your business and loved ones.

  • Extended Protection: Extend your protection with insurance that covers your spouse, family, or any beneficiary nominated, providing comprehensive financial security.

Tailored solutions for success

Qualifying is straightforward, providing accessible financial solutions tailored to the needs of individuals with businesses.

  • Partnership Assurance: Solidify your application with a signed Memorandum of Understanding (MOU) with your employer, fostering a partnership that enhances the security and reliability.

  • Age Assurance: We welcoming applicants aged between 18 and 60 years, ensuring financial accessibility for a broad demographic.

  • Identification Verification: Verify your identity easily with the submission of your customer ID or passport.

  • Income Confirmation: Demonstrate financial stability with proof of confirmed monthly salary income for at least 6 months, reinforcing your eligibility.

  • Residence Verification: Verify your residence easily with the submission of proof of residence, ensuring the accuracy of your application.

  • Documentary Support: Provide any additional documents as requested, for a thorough evaluation of your application.

  • Approval Dynamics: Stay informed about approval process and conditions, ensuring transparency and fairness throughout your journey.

Application process is easy: we simplified it for you

Experience an application process built on trust, efficiency, and your unique needs.

  • 1

    Apply for a loan
    Complete your application seamlessly by filling out online forms, ensuring a smooth and hassle-free submission.

  • 2

    Confirmation from FINCA
    Expect a call from our dedicated call center within 24 hours. Our operator will double-check details with you, ensuring accuracy and addressing any concerns.

  • 3

    Decision
    Receive communication from the branch, confirming the completion of your loan application.

Start your application

Applying for a loan with us is a straightforward and convenient process.


Customer Success

Frequently Asked Questions

  • Identity Card
  • Letter of undertaking from Employer
  • Payslip
  • Letter of application stating amount required and tenure

You can access up to 3.5 million kwacha.

Maximum tenure is 24 month.

Prior arrangement with your employer is required upon signed agreement of memorandum of understanding.

We are always happy to talk!

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