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General FAQs

  • What are the requirements for getting a loan?

    1. Age criteria: Applicants must be at least 21 years old or above.
    2. Valid identification: Applicants need to possess a non-expired ID document.
    3. Employment status: Individuals must be officially employed for a certain duration:
      For instalment loans, a minimum of 4 months of formal employment is required.
      For 1-month loans, at least 1 month of formal employment is necessary.
    4. Bank account and card: Applicants must provide evidence of a bank account where their salary is regularly deposited on a monthly basis. Additionally, a bank card is required.
    5. Marital consent (if applicable): If married under communal property laws, spousal consent is necessary.
    The following conditions apply:
    Bank statement: Must not be older than 5 days
    Employment confirmation: Must not be older than 30 days
  • 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 
    • WhatsApp us at 77680081
    • Spot our shiny mobile unit in your area (Follow us on Facebook expresscreditbw for routes)            
  • 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
              Orange 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.

  • 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.
    Benefit limit
    P 300,000.00

    *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. 

  • How can I receive money?

    You can receive the money you borrowed in your bank account, in cash (at some of our branches), and directly into your Orange mobile wallet.

  • What are your working hours?

    Our branches are open Monday-Friday 08:00 to 17:00 and Saturday 08:30 to 12:30.

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 P15,000 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.

  • Can I use this loan for my business, education or health?

    Yes, you can! Whether you need extra money that can be a useful financial instrument for start-ups, small and medium-sized businesses, medical or educational needs, our loans may help you get the money you need. 

    We offer loans of up to P15,000 that can be repaid over a period of 24 months, making it easy for you to access the capital you need to achieve your business goals. Just fill out our online application form, and we'll contact you with a suitable solution tailored to your needs.

  • What is the maximum tenure?

    The maximum tenure for individuals employed in the private sector is 24 months. 


  • 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.

    Complaint Line


    Time Frame

    First Level Resolution

    Customer Care Officer/First Level supervisor

    24 hours

    Second Level Resolution

    Head of supporting Unit/Call Centre Manager

    48 hours

    Third Level Resolution

    Country Manager

    5 working days

  • Complaints handling procedure