Loan Products
Financing Built for PNG Government Employees
Competitive rates, flexible terms, and fortnightly salary deductions — designed around your payslip.
12%p.a.Interest from
K200kBorrow up to
24hrFast approval
100%PNG owned
Our Products
Choose the Right Loan for You
Each product is designed to meet different financial needs with competitive rates.
Most Popular
Reducing
Housing Loan
For housing improvement and repairs
Interest Rate
10.0% p.a.
Fee
2.0%
Up to
K100k
Term
84mo
K1,000 – K100,00012–84 months
Reducing
Education Loan
For education fees and school expenses
Interest Rate
12.0% p.a.
Fee
1.5%
Up to
K20k
Term
36mo
K500 – K20,0003–36 months
Flat Rate
Personal Loan
General purpose personal loan for government employees
Interest Rate
15.0% p.a.
Fee
2.0%
Up to
K50k
Term
48mo
K500 – K50,0003–48 months
Flat Rate
Emergency Loan
Fast-tracked loan for urgent needs
Interest Rate
18.0% p.a.
Fee
1.0%
Up to
K10k
Term
12mo
K200 – K10,0001–12 months
Flat Rate
Festive Loan
Seasonal loan for festive needs
Interest Rate
20.0% p.a.
Fee
0.0%
Up to
K5k
Term
6mo
K200 – K5,0001–6 months
Requirements
Eligibility Requirements
You must meet all of the following to qualify for a loan.
- Papua New Guinea government employee
- Valid government employment number
- Net salary supports repayment (max 40% of salary)
- Valid national ID
- Recent payslip (last 2 months)
Start Your Journey Today
Ready to Take the Next Step?
Apply online today and get a decision within 2–3 business days. No hidden fees, no surprises — just fast, affordable finance.
2–3 Day Approval
BPNG Regulated
Apply in Minutes