Visit our team from Tuesday, 13th to Thursday, 15th January 2026, 9:00am to 3:00pm daily, at Tango Dept Store, Tokarara.
Our team will be available to assist with:
* New Member Registration
* Member Data Updates
* New / Replacement Membership ID Cards
* Poro Card & Mobile USSD Registration
* MyNCSL Member Online Registration
* General membership enquiries and account services
As the year draws to a close, financial pressures often increase as individuals and families prepare
celebrations to welcome the New Year. Financially, it can be a real challenge, and this is where
people find themselves needing extra money and most times it’s usually at the very last minute.
NCSL Savings & Loan makes it easier to help our members meet these needs offering the 1:1
secured Personal Loan option.
This convenient loan product allows members to borrow up to the value of their savings, starting
from just K200 and at a competitive 14% annual interest rate. With no paperwork, no queues and
instant approval funds are deposited directly into the member’s Poro Account so you can access
money exactly when you need it.
Members have praised the convenience of the service as shared:
“I’ve been with NCSL for 22 years. Whenever I needed extra money or urgent expenses and
didn’t want to touch my savings, the 1:1 loan was there. It was approved instantly, and the
funds were in my Poro Account within minutes.”
— Yana G., NCSL Member
Applying is simple. Members can log in to MyNCSL Member Online or dial 628# on their mobile
phone. Once submitted, applications are processed immediately, giving members quick access to
funds when they need them most.
Why Members Love the 1:1 Loan
• Borrow up to the value of your savings
• Competitive interest rate of 14% per year
• Apply digitally, no paperwork
• Instant approval
• Funds deposited straight into your Poro Account
• Apply anytime, anywhere. No branch visits required
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?
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.
NCSL Savings and Loan was at the Atlas Steel PNG – Baruni during its Open House Day showcasing our financial solutions to interested home-owners on Saturday, December 6, 2025.
NCSL’s dedicated Business Relations Team was on-site to share detailed information about its savings and loan products, focusing on its flexible personal lending products that help members finance home
purchases even without a dedicated home loan product. Through higher ratio loans such as 1:2 and 1:5, members can maximize their savings to access funding for major expenses, including housing.
Several non-member visitors also ended up registering their membership to NCSL via the Wokabaut Tablet and MyNCSL member online. These new members received their membership numbers and had their accounts opened instantly marking the beginning of their financial journey with NCSL.
Among NCSL were other corporate entities like the National Superannuation Fund, National Banking
Corporation Ltd, Bank South Pacific Ltd, Nambawan Supa Ltd and few others.
The festive season is here and it’s a time for family, joy, and giving but we all know it can also mean extra costs for travel, celebrations, and gifts. If you have a savings account with NCSL with interest payments up to 6%* but perhaps didn’t have an opportunity to save enough to cover all those costs, we as NCSL Savings and Loan can provide with an easily accessible and affordable personal loan.
Our 1-to-1 Personal Loan is designed to make life simpler — and here’s why our members love it.
• Borrow up to the value of your savings
• Borrow starting from just K200
• Affordable interest rate of 14%* per annum
• No account maintenance fees
• Instant approval
• Funds deposited straight into your Poro Account
• No paperwork. No queues. No delays.
Applying is quick and simple by using MyNCSL Member Online or dialling *628# on your mobile phone. Once you apply, the approval will be instant, and your funds ready to use. “We know how important it is for our members to access funds quickly, especially during the festive season or in times of urgent need,” says Gila Ebenosi, Head of Digital Services at NCSL. “Our digital services make borrowing easier, faster, and more secure.”
It’s part of NCSL’s promise as a responsible lender to make financial services simple and easily accessible. With our 1 to 1 personal loan, we’ve taken the hassle out of borrowing so you can enjoy a peace of mind and celebrate without worry.
*Terms and conditions apply and rates are subject to change.
At NCSL Savings & Loan, our mission is simple: to financially empower our members by providing secure savings and loan products that support their goals and everyday needs.
As the festive season approaches, many people face unexpected expenses. Unfortunately, this often leads to unplanned borrowing, which can turn a joyful Christmas into a stressful and costly experience.
That’s why at NCSL, we emphasize that planning ahead is the key to enjoying life’s most meaningful
moments, especially when family and community obligations are
involved.
By starting early and setting aside a certain amount—whether fortnightly, monthly, or on an ad hoc basis— for Christmas or any other purpose, you’ll be better prepared to manage unexpected expenses and may even avoid borrowing, saving yourself extra costs.
For example: Christmas is celebrated every year. While it may be too late to save for this festive season, you can start anytime for the next one. And because we believe in the Christmas spirit, we offer an interest rate that’s hard to find elsewhere.
Our Christmas Savings Account supports this approach by offering the following:
