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How it works

Whether it's a school fee, deposit for a new car or a purchase of a lifetime, we have a loan for you


Long-term loans to all permanently employed Government employees


  • Get a loan of up to M50,000 repayable over 3 – 48 months.
  • Apply online in just a few clicks or visit the nearest branch in Maseru or Hlotse.
  • Spot our DSAs or branded mobile unit in your area to learn more.


What are requirements to apply?

Be 21 years old and above
Be a citizen of Lesotho 
Employed by the Government

How can I apply?


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


Visit our branch at LNDC Centre, Maseru or Hlotse branch (Digjam Building, Shop number B-5, Leribe) where a loan officer will help you complete your loan application.

Call Centre

Call us at +266 80044 444

Direct Sales Agents

Meet one of our direct sales agents. 

What is the application process?

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

  1. National ID or Passport (not expired).
  2. One month bank statement stamped by the bank (salary and bank account number must be visible).
  3. Copy of your latest payslip, stamped by the employer. In case the payslip is printed by the employer on the payslip paper, the stamp is not required.
  4. Official employer reference letter, which is not older than 10 days (in a free form, must contain employer and employee contact details).


The assessment process is fast and very straightforward.

In most cases, we will have your answer the same day.

Based on the information you have provided, we will give you the answer, either:


  • You have successfully completed the first step to get your loan, you are creditworthy.


  • Unfortunately at the moment, we are unable to offer you a loan.

How can I receive the money?

Once the loan application is approved, we will transfer the money within 24 hours straight to your bank account.

How can I repay the loan?

You can repay the loan by a bank transfer. Please see below the bank details.

  • Standard Lesotho Bank
    Branch: City Branch
    Branch code: 060667
    Account number: 9080007336361
  • Nedbank
    Branch: Maseru Branch
    Branch code: 390861
    Account number: 11990109577
  • FNB
    Branch: Pioneer Mall
    Branch code: 280061
    Account number: 62844129800


Please use your loan number or ID number as a reference to deposit funds.

In case you have any questions, call us on +266 80044 444.

Referral programme

How to get your referral code?

  • If you are our client, go to your client profile under Account Settings and find your unique referral code or request a referral code from our call centre or any of our branches.
  • The referral code has no expiry date and has a limit of 3 uses.


How to refer a friend?

  • Copy the referral code and share it with up to 3 friends who are not ExpressCredit clients yet.


How to earn M100?

  • Your friend will have to show the referral code when applying for a loan in a branch, or write in the referral code field in our web application form.
  • Once your friend has applied and the loan has been successfully issued, you will get M100.
  • 3 friends mean M300!


How to get what I earn?

  • Disbursements are done monthly to your bank account.