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Open Market loan

Need a deposit for a new car? Financing for a renovation project or a tuition fee to get a university degree?


We offer loans of up to P15,000 repayable over 24 months

What are requirements to apply?

Be 21 years old and above
Be the holder of an ID document (not expired)
Be officially employed
Have proof of a bank account and bank card
Have spousal consent (if married with communal property)

How can I apply?


The easiest way to apply for a loan is to use the application form on our website www.expresscredit.co.bw.    


Visit any of our branches where a loan officer will help you complete your loan application.

Call Centre

Call us at +267 316 5512 or WhatsApp us at 77680081

Direct Sales Agents

Meet one of our direct sales agents. 

You can also spot our shiny mobile unit in your area (follow us on Facebook expresscreditbw for routes).

How much can I borrow?

    1. Use the online calculator to tell us how much and how long you want to borrow.
    2. Choose your salary pay date.


Once you have entered all the details, we will show you an example of what you might repay, including the payment amount, interest and next repayment day. It is also possible to view a full payment schedule.

What is the application process?

To process your application the same day, please bring the documents with you or upload if applying through our website:

    1. Omang (National Identity document) for citizens. Passport and work and residence permit or residence permit waiver for non-citizens
    2. Original latest payslip
    3. Official employment confirmation letter (must contain your residential address and contract end date)
    4. Copy of your bank card (front side, minimum three month expiry period, Affidavit must be provided if the card has no name on it)
    5. Last 2-month bank statement stamped by the bank (your last 2 salaries and bank account must be visible)
    6. Consent form signed by the spouse (if married with communal property)


The assessment process is fast and very straightforward. If you apply for a loan with us, in most cases, we will have your answer the same day.


How will I get the money?

Once the loan application is approved, we will transfer the money to your bank account.

How can I repay the loan?

You can repay the loan by a 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.

Loans for business, education and health

Have a business idea? Need funding to expand your existing business? Want to finance medical expenses or invest in education? We've got you covered!


Our loans of up to P15,000 are repayable over 24 months and can be used for a variety of needs, including small business ventures, purchasing of equipment, livestock for your farm, or medical expenses, or educational pursuits.


Applying for a loan is easy with our online form. Just fill it in, and we'll find a solution tailored to your needs.

Don't let financial worries hold you back from achieving your goals. Contact us today to learn more about how we can help you.