Enriching Lives Through Accessible Finance
United Finance is a nationally-owned financial institution established to help Papua New Guineans in times of financial need — providing fast, affordable loans to the country's working professionals.
A Trusted Partner for PNG Families
United Finance Limited was incorporated with the Investment Promotion Authority on 10 November 2017 and commenced full lending operations in April 2019. We are a 100% nationally-owned financial institution established to help Papua New Guineans in times of financial need.
Our focus is on providing fast, affordable personal loans to government employees — with convenient fortnightly salary deduction repayments and transparent terms — no hidden fees, no surprises.
Vision & Mission
Our Vision
Our vision is to enrich lives through accessible and affordable financial lending, creating sustainable prosperity for our people while fostering Papua New Guinea's economic growth.
Our Mission
- Striving to offer personal loans with low interest rates, making it affordable for low- and middle-income earners to regain financial independence and chart their path to success.
- To liberate individuals from the shackles of financial burden, providing them with the resources to establish a successful and self-reliant future.
- We are committed to funding the short-term financial requirements of low- and middle-income earners, ensuring they have the resources to tackle life's challenges with confidence.
- Actively engaging in staff development and training programs, fostering the growth and advancement of our workforce, and ultimately, the well-being of our clients.
The United Finance Story
From a vision to help those in need to serving thousands across PNG.
Registered
Incorporated with the Investment Promotion Authority on 10 November 2017.
Operations Begin
Commenced full lending operations in April 2019 with offices in Port Moresby, Mt. Hagen, and Banz simultaneously.
4,000+ Customers
Over K5 million lent, empowering thousands of PNG working professionals.
Our Core Values
The principles behind every loan, every decision, and every interaction.
Accessible Lending
Low-interest personal loans designed for low and middle-income earners across PNG.
Trust & Integrity
100% nationally owned — transparent rates, no hidden fees, and honest lending for PNG families.
People First
We invest in our staff and our clients, liberating individuals from financial hardship.
Fast Processing
Quick approval and rapid fund disbursement so you get help when you need it most.
Why Apply With Us?
Quicker Approval
- Quicker Processing time.
- Quicker Dispatchment (electronic transfer/direct deposit)
Competitive Rate
- Very Low Interest Rates.
- Flexible Repayment Plans (5–52 fortnights).
- Get up to K10,000 (minimum K500)
Top Up Loan
- Top Up/refinance loans available.
- Rebates offered to existing customers on top up loan
Empowering PNG Families Every Day
At United Finance, we believe every Papua New Guinean deserves access to fair, transparent financial services. Our loans help families manage emergencies, fund education, and build better futures.
With convenient fortnightly salary deductions and no hidden fees, we've helped over 4,000 government employees across the country achieve their financial goals.
Ready to Take Your Next Step?
Apply online today and get a decision within 1–3 business days. No hidden fees, no surprises.