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.