NCSL
Personal Loan 1:1
We understand your financial needs and have the right products for you.

Whether its just an occasion to celebrate or you need extra cash for your pocket, NCSL has just the right product for you.

Personal Loans 1:1 Ratio

As a secured loan, you can borrow up to the total current savings balance in your account. Example:  If you have K1,000.00 in your savings account, you can borrow a maximum of K1,000.00.

Under this loan ratio, you can apply multiple times during the same month.

  • K200.00 minimum loan
  • Loans can be accessed multiple times within same month 
  • Maximum loan is dependent on available savings
  • Loan interest charged is 12% per annum
  • Minimum loan repayment term is 1 month
  • Maximum loan repayment terms is 60 months or 5 years
  • Your savings is used as security and any transfer from savings to loan is subject to approval by NCSL Lending terms and conditions
  • Online application available on Personal Online Services, Mobile Banking and BIS

Rates are subject to change

Apply for a loan

Reliable finance options for any need

Resources
1:1 loan application
1:2 loan application
Loan Application Form
Credit Data Bureau Form
1:5 loan application
Loan Application Form
Credit Data Bureau Form