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Loan Repayment Table
Author: SNS TECH Support
As the festive season approaches, NCSL is reminding members that financial flexibility is within
reach. With holiday travels, family commitments, and major expenses often creating added
pressure, NCSL’s Higher Ratio Lending options 1:2 and 1:5 is designed to help members
borrow responsibly and affordably.
“Our goal is to make life easier for our members during this busy time,” said Mr. Frans Kootte,
Chief Executive Officer at NCSL. “We understand the realities of the season and want to ensure
members have access to funds without unnecessary stress.”
What makes our Higher Ratio Personal Loans stand out?
- Borrow up to 2x or 5x of your savings
- Flexible repayment terms
- Affordable interest rates from 20% – 26% per annum
- No account keeping fees
- Apply via MyNCSL Member Online
These options are ideal for major expenses to festive travel and family commitments. Our
priority is to ensure you have access to funds when you need them most, at rates that remain
competitive and affordable because at NCSL, we don’t just provide loans we provide solutions
for your peace of mind.
Terms & Condition’s apply. Interest rates effective July 1, 2025, and subject to change.
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Make the Season Count with NCSL
As the festive season approaches, many Papua New Guineans begin planning to travel home, reconnect with loved ones, and honour cultural traditions. It’s a time of joy, reflection, and renewal and at NCSL Savings and Loan, we’re here to help you make it truly meaningful.
Whether you’re saving for travel, gifts, or family obligations, our Christmas Savings Account offers a smart way to prepare. With a 6% interest rate per annum, your savings grow while you plan ahead. Start now and enjoy a stress-free holiday season with funds ready when you need them most.
For those needing extra support, our personal loan options are designed to be flexible and accessible. Borrow starting from K200.00 with terms ranging from 6 to 60 months, and interest rates starting at 14% per annum. While you repay your loan, your savings remain untouched, continue to earn 6% interest per annum, and stay ready for your future goals. It’s borrowing made smarter. Whether it’s for festive
expenses or end-of-year goals, our loans help you stay on track without the financial strain.
And with MyNCSL Member Online and mobile app or Mobile USSD Service (*628#), managing your finances has never been easier. Apply for loans, check balances, and track your savings at anytime wherever you are.
This season don’t just spend plan, save, and celebrate with confidence. We remain committed to providing affordable and accessible products and services tailored to your needs for different seasons.
The festive season is here, and managing your money should be the least of your worries. That’s why NCSL Savings & Loan has the Poro Card, your everyday debit card linked to your Poro Account, giving you the convenience to shop, pay, withdraw, and even access loans instantly.
With your Poro Card, you can:
• Pay at EFTPOS terminals nationwide
• Shop in-store without carrying cash
• Withdraw funds at ATMs whenever you need
• Get instant access to loans credited straight to your Poro Account
How It Works
Transfer funds from your NCSL Savings Account into your Poro Account using MyNCSL or USSD (*628#).
Swipe or insert your card at EFTPOS machines or ATMs across PNG. And if you need extra cash, apply for
a 1:1 Loan—it’s instant approval, and funds are credited straight to your Poro Account. No waiting, no
hassle.
Apply Today
Scan the QR code on the flyer, visit www.ncsl.com.pg, or call 207 2000 for assistance.
Make your money work for you—get your Poro Card now and enjoy the freedom to shop, pay,
withdraw, and borrow with ease.
As the festive season draws near, we pause to appreciate the heart of NCSL — you, our valued members.
Your continued trust and loyalty inspires us to deliver financial services that truly make a difference.
We extend our sincere gratitude to the employers who partner with us to facilitate seamless savings and
contributions. Your support ensures that many of our members can access the financial tools they need
when they need them most, especially during this special time of year.
At NCSL, we’re humbled to offer a range of products and services designed to help you to celebrate the
holidays with confidence and peace of mind:
- Christmas Savings Account – Earn 6% interest per annum and enjoy the benefits of saving ahead
for your festive plans — whether it’s gifts, travel, or family gatherings. - Personal Loans – As a Responsible Lender, we offer loans with flexible repayment terms to help
you manage your seasonal expenses with ease and with interest rates starting as low as at 14%
per annum, - MyNCSL Member Online Web & Mobile App – Manage your savings and apply for loans anytime,
anywhere — giving you full control over your finances without the need to visit a branch. - Employer Visitation & Member Support – We’re here to help you make informed financial
decisions on savings and loans and can arrange for visitation and support you need at your
workplace, e.g. to provide financial literacy training
During this upcoming festive season, let NCSL as your trustworthy Savings & Loan Society, supporting you
to get organized for the celebrations by providing easily accessible and affordable financial services.
Whether you’re a member planning for Christmas or an employer supporting your team, a little help from
NCSL can go a long way.
Thank you for choosing NCSL. Thank you for growing with us.
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