Long Term Loan

Website

The easiest way to apply for a loan is to use the application form on our website www.expresscredit.co.bw.    

Branch

Visit any of our branches where a loan officer will help you complete your loan application.

Call Centre

Call us at +267 316 5512.

Direct Sales Agents

Meet one of our direct sales agents. 

You can also spot our shiny mobile unit in your area (follow us on Facebook expresscreditbw for routes).

1. Use the online calculator to tell us how much and for how long you want to borrow. If you apply for a long term loan, you can borrow between P2,000 and P265,000 repayable over 3 months.  
2. Choose your salary pay date.

Once you have entered all the details, we will show you an example of what you might repay, including the payment amount, interest and next repayment day. It is also possible to view a full payment schedule.

To process your application the same day, please bring the documents with you or upload if applying through our website:

1. Omang (National Identity document) for citizens. Passport and work and residence permit or residence permit waiver for non-citizens
2. Payslip
   
   • Original latest payslip accepted 90 day old payslip if salary has not changed (days are calculated from the paydate in payslip)
   • E-payslips are accepted for all Government employees from all ministries
3. Official employment confirmation letter (must contain your residential address and contract end date)
4. Bank statement
   • Original copy (stamped or signed)
   • 1 last month full bank statement (no gaps) to verify and validate salary credits
5. Consent form signed by the spouse (if married with communal property)

The assessment process is fast and very straightforward. If you apply for a loan with us, in most cases, we will have your answer the same day.

Once the loan application is approved, we will transfer the money to your bank account.

You can repay the loan by a bank transfer or mobile money.

Bank transfer
First National Bank Botswana
Branch Name: Kgale View
Account Number: 62617673761
Branch Code: 284567
Reference: ID number

Mobile Money
Orange Money
1. Dial *145#
2. Select Orange Money transactions
3. Enter PIN
4. Select “Pay”
5. Select "Loans"
6. Select “Express Credit”

Mascom My Zaka
1. Dial *167#
2. Select 3 for “Pay Bill”
3. Select 5 for Financial Billers
4. Select 2 for Express Credit

Cash or card payments
Available at all branches. 

Please use your loan number or ID number as a reference to deposit funds. In case you have any questions, call us at +267 316 5512.