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Term Loan

Need a deposit for a new car?

Financing for renovation or a tuition fee to get a university degree?         

We offer term loans of up to N$10,000 repayable over five months

What are requirements to apply?

Be 21 years old and above
Be the holder of a 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

Watch these videos to better understand how our web application process works!

FOR EXISTING CUSTOMERS: https://www.youtube.com/watch?v=ILM0TYj1on4

FOR NEW CUSTOMERS: https://www.youtube.com/watch?v=I9VPEA34rWg



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

Call Centre

Call us at 90000


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 how long you want to borrow for. 
  2. Choose your payroll frequency. In the case of a term loan, this will be monthly. 
  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. It is also possible to view a full payment schedule.

How will I get the money?

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

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 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 90000.