What does your company do?
ExpressCredit Botswana offers fast and affordable long term and short term loans to pensioners and individuals employed in the private and government sectors.
I live in a different location from your branches. How can I apply?
- Apply online on our website www.expresscredit.co.bw
- Meet one of our direct sales agents
- Call us at +267 316 5512
- Spot our shiny mobile unit in your area (Follow us on Facebook expresscreditbw for routes)
What are your working hours?
Our branches are open Monday-Friday 08:00 to 17:00 and Saturday 09:00 to 12:00.
I do not have one of the required documents. Can you make an exception?
Unfortunately, we can't make an exception, and you need to submit all the required documents to apply.
How long does it take to process the loan application?
If you have all the documents in place, we will have your application approved the same day.
How can I repay the loan?
You can repay the loan by cash or card at the branch, bank transfer or mobile money.
- Bank transfer
First National Bank Botswana
Branch Name: Kgale View
Account Number: 62617673761
Branch Code: 284567
Reference: ID number
- Mobile Money
1. Dial *145#
2. Select Orange Money transactions
3. Enter PIN
4. Select “Pay”
5. Select "Loans"
6. Select “Express Credit”
Mascom My Zaka
1. Dial *167#
2. Select 3 for “Pay Bill”
3. Select 5 for Financial Billers
4. Select 2 for Express Credit
- Cash or card payments
Available at all branches.
Please use your loan number or ID number as a reference to deposit funds. In case you have any questions, call us at +267 316 5512.
- Bank transfer
What is your interest rate?
ExpressCredit Botswana always operates according to responsible and affordable lending principles. Our interest rates vary and are subject to credit history, affordability, and other relevant criteria. Please get in touch with us to learn more.
What is credit life insurance?
We offer Credit Life Insurance* to all our clients to help them through life's challenges. Credit Life Insurance covers outstanding liability on any agreement at any given time in case of death, permanent disability, dread diseases, funeral and income loss.
Covers clients between the age of 18 and 65, ends at the age of 80.
*Underwritten by: Hollard Life Assurance Company of Botswana (Pty) Ltd
Do you assist students or self-employed people?
Unfortunately not. We only offer loans to permanently employed people.
Do you offer purchase orders?
We do not offer purchase order services. Check out How it works page to learn about the loan products we offer.
About Open Market loans
How do Open Market loans work?
Whether you need extra money to afford your dream car, finish up renovation works or finance your university degree, our loans may help you get the money you need. We offer loans between P2,000 and P25,000 to individuals employed in the private sector. Please contact us for other options available to pensioners and individuals employed by the government sector and MOU companies.
Can I apply for a loan using your website?
Yes, you can apply for a loan on our website www.expresscredit.co.bw.
What is the maximum tenure?
The maximum tenure for individuals employed in the private sector is 24 months.
About Ntlatse loans
How do Ntlatse loans work?
Whether you need extra money to pay your medical bills, finance a home improvement project or settle school fees, Ntlatse loans may help you get the money you need. We offer Ntlatse loans between P500 and P5,000 repayable over 3 months.
Can I apply for a Ntlatse loan on your website?
Yes, you can apply for a Ntlatse loan on our website www.expresscredit.co.bw.
What is the maximum amount I can apply for?
We offer Ntlatse loans of up to P5,000 repayable over 3 months.
Are Ntlatse loans available to hospitality and tourism industry employees?
Yes, Ntlatse loans are available to people employed in the hospitality and tourism industries. We aim to make a difference and help people employed in these industries.
How to submit a complaint?
We put our customers at the heart of everything we do. Your feedback is what helps us to improve our services and build a strong community.
We are committed to make things right and resolve any issues you may have. Would you please let us know your questions, comments or complaints you have by submitting a request online or at the branch?
Please click on the link to go to the online form.
How long will it take?
Our complaint resolution process is anything but straightforward. We assure you that we investigate complaints fairly, diligently and promptly. Our team follows up with our customers to make sure they are satisfied.
Sometimes we need more time or to obtain additional information, but we keep our customers up to date on the progress and measures of the complaint’s resolution. Depending on the level of resolution, the complaint is resolved within 24 hours, 48 hours or five working days.
First Level Resolution
Customer Care Officer/First Level supervisor
Second Level Resolution
Head of supporting Unit/Call Centre Manager
Third Level Resolution
5 working days
Complaints handling procedure