When Life Costs More Than Expected, We've Got You.
School fees, travel, graduations, personal needs. Up to K10,000, same-day approval, repaid straight from your salary.
Four Loans. One Simple Process.
Pick the loan that fits your need. Same fast process, same salary-deduction repayment, every time.
Everyday needs, covered fast.
Personal Loan
Need cash for any personal expense? UFL personal loans are fast, flexible, and repaid automatically through your salary. No cash handling, no stress.
Celebrate the milestone.
Graduation Loan
Cover graduation costs: gowns, ceremonies, family celebrations. All without touching your savings. Fast approval for PNG government employees.
Features of Personal Loan
All loans are not created equal. Personal loans have become a great option for PNG government employees.
Same-day processing.
Faster Loan
Submit all required documents and we process your loan the same day. No unnecessary delays.
No hidden surprises.
Choose Your Amount
Borrow from K500 to K10,000. All charges are communicated upfront in writing with your loan quotation.
Competitive and transparent.
Enjoy the Best Rates
Our rates and charges are among the most attractive in PNG. No fine print, no catches.
You set the pace.
Decide Your Tenure
Choose a repayment period that fits your salary cycle. Deducted automatically, so you never miss a payment.
Personal Loan Eligibility
Any salaried, self-employed, or professional employee in public and private sectors (including government) is eligible for a personal loan.
- Age: maximum age at loan maturity is 55 years and below
- Net fortnightly income must be above K350
- Applicant should have the bank-specified credit rating
- Salaried, self-employed, or professional — public and private sector employees eligible
- Currently on Alesco Payroll System (government department employees)
What You Need
Provide all required documents for fast same-day processing.
- Two (2) current payslips
- Loan repayment through direct payroll
- Certified ID copy — employment, POSF/Superfund/Nasfund, Driver's Licence, Passport/NID
- Confirmation letter from employer
- Not More than three (3) loans from other financial companies/institution.
- Net pay above K350
- New clients: apply below K2,000 to open account with UFL (conditions apply)
- POSF/Superfund/Nasfund Statement (Optional/Where Applicable)
- A copy of your current bank statement showing last 3 pay deductions (Optional/Where Applicable)
Existing clients are eligible for Top-Up loans and rebates. Conditions apply.
Ready to Take the Next Step?
Apply online today and get a decision within 1–3 business days. No hidden fees, no surprises. Just fast, affordable finance.