Regulated microfinance in Lesotho

Fast, fair finance for the people of Lesotho.

Apply for a personal, business, or revolving loan in minutes. Transparent terms, no hidden penalties, decisions you can trust.

Loans from M 1,000 to M 50,000. No application fee.

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M 1,000 – 50,000: Loan range
24 hrs: Disbursement after signing
100%: Online application
CBL: Regulated institution

Choose the loan that fits your need

Three loan products designed for individuals, businesses, and repeat borrowers — all with the same fair pricing.

Personal Loan

Cover life's planned and unexpected costs.

School fees, medical bills, home repairs, family emergencies — a fixed instalment loan repaid over a term you choose.

Fixed monthly instalments
Quick approval for salaried clients
Flexible due-day options

Best for: Salaried clients

Business Loan

Fuel growth without the bank queue.

Working capital, stock purchases, equipment, or expansion — choose standard, interest-only, or partial repayment to match your cash flow.

Tailored repayment structures
For registered or informal businesses
Disbursed within 24 hours

Best for: Traders & SMEs

Revolving Loan

A re-usable line of credit.

Draw what you need, repay, and re-borrow against the same approved limit. No need to re-apply for every advance.

Approved limit up to M 50,000
Re-usable on settlement
One application, repeated access

Best for: Repeat borrowers

From application to funds in your account

Apply online: Register, complete KYC, and submit your loan application in minutes — by web or WhatsApp.
Committee review: Our credit committee reviews your application, followed by final admin approval — typically within one business day.
Sign & get paid: Sign your agreement electronically. Funds are disbursed to your bank account or USDT wallet within 24 hours.

Lending you can rely on

Immediate Finance is a regulated microfinance institution in Lesotho. We follow strict KYC, AML, and consumer-protection standards on every loan we issue.

Regulated microfinance in Lesotho
Full KYC and AML screening on every applicant
Transparent fees disclosed before you sign
No early-settlement penalty — pay off any time
Electronic signature and secure document storage

Regulated microfinance: Licensed and supervised lender
Clear terms: No surprise fees or penalties
Fast disbursement: Funds within 24 hours of signing
Real support: WhatsApp, phone, and email

Ready when you are

Start your application now. It takes only a few minutes — and a real person reviews every loan.

Apply for a loan