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

Ideal for small business owners seeking working capital.

  • Benefits: Quick access to funds, flexible repayment terms.
  • Eligibility Entrepreneurs with at least six months of business operations.

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.

For businesses needing to purchase equipment or fixed assets.

  • Benefits: Tailored repayment plans, competitive interest rates.
  • Eligibility: Registered businesses with a solid financial history.

Provides financial support for individuals growing their ventures.

  • Benefits: No collateral required, fast disbursement.
  • Eligibility: Active businesses with stable income.

Empowering small businesses through group lending.

  • Benefits: Shared responsibility, lower interest rates.
  • Eligibility: Business groups of 3–5 members with a common goal.

Supporting churches with development and expansion projects.

  • Benefits: Special repayment structures, flexible loan amounts.
  • Eligibility: Registered churches with leadership approval.

Tailored for educational institutions needing infrastructure funding.

  • Benefits: Structured repayments, competitive rates.
  • Eligibility: Schools with valid registration and financial records.

Get additional funding on an existing loan.

  • Benefits:  Increased capital, streamlined approval.
  • Eligibility: Borrowers with a good repayment history.

Quick financial solutions for urgent needs.

  • Benefits: Fast approval, minimal documentation.
  • Eligibility: Individuals with stable income sources.

A loan designed for traders and artisans.

  • Benefits: Affordable interest rates, business-friendly terms.
  • Eligibility: Traders with proof of consistent earnings.

Helping parents and guardians cover educational costs.

  • Benefits: Flexible repayment, timely disbursement.
  • Eligibility: Proof of school fees and steady income.

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: Ranges from 3 to 24 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).
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