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Installment Loans

General FAQs

  • What does your company do?

    ExpressCredit.co.bw offers affordable financial solutions that can be accessed online, through mobile applications and in our branch network.

  • Do you give loans to business people?

    Unfortunately our target market is those who are in employment. This is because our loans are unsecured and our administrative and recovery procedures are designed for this purpose.

  • I live in a different location from your branches, how can I access your services?

    Unfortunately you would have to reside in or around a city with one of our offices for us to provide a loan to you. This is because our administrative and recovery procedures are designed with this in mind.

  • What are your working hours?

    We are open Monday to Friday from 08:00 to 18:00 and on Saturdays from 08:00 to 13:00.

  • I do not have one of the required documents, can you make an exception?

    Unfortunately, as our loans are unsecured, we require all the documents as set out.

  • How long does it take to process the loan?

    If you have everything in place, we aim to approve your loan within 15 minutes.

  • How do you run a business on interest-free loans?

    We do not typically lend without interest, we are offering a limited promotion to first time customers only.

  • Check-in and win GENERAL GUIDELINES

    1. Entries must be existing customers and potential clients Open Market Loan or Motheo Loan or Pensioners loan (between 11 February and 12 March , 2019). For a referrer to qualify, the referee must have applied and approved for either a Motheo loan (no limit), or an Open market loan (not limit), or Pensioners loan (no limit) or be a potential client. The Referee must come to branch and check in via Facebook, take a picture in the frame and share on a expresscreditbw page with an innovative, funny or creative caption. The referee can also fill in details to put in ballot box to show interest in the facility.
    2. The referee must have liked the expresscredit Facebook page and add #expresscredit hashtag to post.
    3. Express Credit staff members and their immediate family may not participate in the competition.
    4. There is no limit to the number of entries for customers, as long as all entries are properly identified, and qualify.
    5. Auditors must ensure that the customers meet the qualifications. All those customer applications that do not meet the set rules may be disqualified from the competition at the discretion of the Auditors.
    6. The full listof winners must be signed off by senior member of management and the auditor. These must be filed by the marketing division, to meet any future request for the said information.
    7. There is no limit on entries per customer for the competition. The winners must be called in the presence of the auditors and be credited accordingly.
    8. All winners will get prize on the set date and will be given prize at the branch by branch manager.
    9. All winnings must be signed off by the customer, and senior member of Express Credit.
    10. All participants must inbox contact details and next of kin after uploading picture.
    11. All winners will be announced every fortnightly, they will be called from the branch they had taken the pictures from and handed the prize.