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Payday loans

Financial emergencies happen all the time –

but luckily enough they can be solved with payday loans              


We offer payday loans of up to N$8,000 repayable on your next payday

What are requirements to apply?

Be 21 years old and above
Be a holder of National ID card/Passport  
Have proof of a   bank account   
Be officially employed

How can I apply?


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


Visit the nearest branch or agency where a loan officer will help you complete your loan application.

Call Centre

Call us at (061) 227 117.


Mobile Sales Unit

Spot our shiny mobile unit in your area (Follow us on Facebook for routes).

Direct Sales Agents

Meet one of our direct sales agents.

You can also send an email at info@expresscredit.com.na

How much can I borrow?

  1. Use the online calculator to tell us how much and long you want to borrow.
  2. Choose your payroll frequency.
  3. 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.

What is the application process?

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

  1. National ID card or Passport (not expired).
  2. Copy of the latest payslip. Payslip must be stamped by the employer or printed on a payslip paper.
  3. Three month bank statement stamped by the bank. The last received salary must be visible.


The assessment process is fast and very straightforward. In most cases, we will have your answer the same day.

How will I get the money?

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

How can I repay the loan?

You can repay the loan by making a bank transfer or visiting the nearest branch to pay by cash or card.

  • Bank transfer
    First National Bank
    Branch Name: Windhoek Branch
    Account Number: 62259071068
    Branch Code: 280172

    Standard Bank
    Branch Name: Windhoek Branch
    Account Number: 60002056525
    Branch Code: 082372

    Bank Windhoek
    Branch Name: Kudu Branch
    Account Number: 8005359326
    Branch Code: 082372

    Account Number: 11990183777
    Branch Code: 461617


      • Cash or card payment
        Available in all branches
    • PayToday app
      Pay directly via the PayToday app

Please use your loan number or ID number as a reference to deposit funds. In case you have any questions, call us at (061) 227 117.