Smart Loans, Flexible Solutions.
You can find the perfect loan solution with Pan-African Savings & Loans, whether you’re looking to grow your business, control your personal spending, or finance a significant project! If you’re looking for a loan with reasonable rates and easy payback terms, we provide a variety of choices to suit your needs.
Explore Our Loan Products
Select a loan option to learn more:
Micro Plus Loan
- Benefits: Quick access to funds, flexible repayment terms.
- Eligibility: Entrepreneurs with at least six months of business operations.
SME Plus Loan
Designed for small and medium enterprises looking to expand.
- Benefits: Higher loan limits, extended repayment periods.
- Eligibility: SMEs with a minimum of 12 months in business.
SME Fixed Asset Loan
For businesses needing to purchase equipment or fixed assets. Strictly for commercial/business transport and related business
- Benefits: Tailored repayment plans, competitive interest rates.
- Eligibility: Registered businesses with a solid financial history.
Nkosuo Loan
- Benefits: Minimum collateral required, fast disbursement.
- Eligibility: Active businesses with stable income.
MAMA Club Group Loan
- Benefits: Shared responsibility, lower interest rates.
- Eligibility: Business groups of 5 – 15 members with a common goal.
School/Church Loan
Supporting churches with development and expansion projects.
- Benefits: Special repayment structures, flexible loan amounts.
- Eligibility: Registered churches with leadership approval.
Top-up Loan
Get additional funding on an existing loan.
- Benefits: Increased capital, streamlined approval.
- Eligibility: Borrowers with a good repayment history.
Micro Express Loan
Quick financial solutions for urgent needs.
- Benefits: Fast approval, minimal documentation.
- Eligibility: Individuals with stable income sources.
Adwuma Pa Loan
A loan designed for traders and artisans.
- Benefits: Affordable interest rates, business-friendly terms.
- Eligibility: Traders with proof of consistent earnings.
School Fees Loan
Helping parents and guardians cover educational costs.
- Benefits: Flexible repayment, timely disbursement.
- Eligibility: Proof of school fees and steady income.
Express Cash/Salary Loan
Instant cash loans for personal or business use.
- Benefits: No lengthy processes, quick access to funds.
- Eligibility: Salary earners and verified account holders.
General Eligibility for Loan Products
Before applying, ensure you meet these requirements:
- Age: 18–65 years.
- Loan Terms: Up to 60 months
- Business Experience: At least 6–12 months of operation (for business loans).
- Guarantor/Collateral: Required for certain loans.
- Mandatory Credit Life Insurance.
- Business Registration: Required for SMEs and corporate loans.
- Timely Payment Rebate: Enjoy a 5% interest rebate for on-time repayments.
Documentation Requirements
To apply, prepare the following documents:
- Valid Identification: Voter’s ID, National ID, Driver’s License, or Passport.
- Passport Photos: Two recent photos.
- Proof of Residence: Utility bill or tenancy agreement.
- Business Registration Documents (for SMEs and corporate applicants).
- Receipts of Business-Related Payments: Tax returns or other financial statements.
- Books of Accounts: Minimum of six months’ financial records (for business loans).
