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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$30,000 repayable over five months

What are requirements to apply?

Be 19 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 [email protected]

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.


Referral programme

How it works?

  • Refer any friend who is not an ExpressCredit client and if they are approved for a loan then you will earn N$100 as a reward.
  • The referral code has no expiry date and a limit of 5 uses.

How to get a referral code?

  • If you are our client, go to your client profile under account settings and find your unique referral code or request a referral code from our call centre or any of our branches.

How to refer a friend?

  • Give the referral code to your friend to use when they are applying at the branch or online. If at the branch just mention it to the loan officer assisting, you. If applying online then you will see an enter referral code box at the bottom of the application page.

How to get my referral reward?

  • Disbursements will be done at the start of each month and sent to your bank account.

Loans for business, education and health

Have a business idea? Need funding to expand your existing business? Want to finance medical expenses or invest in education? We've got you covered!


Our loans of up to N$30,000 are repayable over 5 months and can be used for a variety of needs, including small business ventures, purchasing of equipment, livestock for your farm, or medical expenses, or educational pursuits.


Applying for a loan is easy with our online form. Just fill it in, and we'll find a solution tailored to your needs.

Don't let financial worries hold you back from achieving your goals. Contact us today to learn more about how we can help you.