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Loan Products

Flexible Loan Solutions

From payroll loans to debt consolidation, we offer tailored financing to meet your needs.

Debt Consolidation Loans

Simplify Your Finances

Combine multiple loans into a single manageable monthly repayment to reduce stress and improve cash flow.

Loan Amounts

Flexible

Features & Benefits

✓  Single monthly payment for all debts
✓  Reduced financial stress
✓  Improved cash flow management
✓  Lower overall interest rates possible
✓  Simplified budgeting

Repayment Terms

6 months – 5 years

Qualifying Requirements

➜ Existing loans to consolidate
âžœ Stable employment
âžœ Good credit standing

Payout

Within 48 hours (if approved)

Required Documents

âžœ Valid ID, Passport, or Driver's License
âžœ Settlement quotations for all existing loans
âžœ Latest payslip (excluding bonus month)
âžœ 3 months bank statements

Top-up Loans

Extra Funds Without Hassle

Access additional funds on your existing loan without a new application. Quick and convenient.

Loan Amounts

Flexible

Features & Benefits

✓  No new application required
✓  Quick approval process
✓  Maintain existing repayment structure
✓  Flexible additional funding
✓  Convenient for emergencies

Repayment Terms

6 months – 5 years

Qualifying Requirements

➜ Existing loan with good repayment history
➜ Eligible based on account standing
➜ Meet current credit criteria

Payout

Within 48 hours (if approved)

Required Documents

âžœ Existing loan account details
âžœ Latest payslip
âžœ Updated bank statements

Lets Do It Loans

No collateral required

Get the funds you need for home repair, business startup, or personal projects with flexible repayment terms.

Maximum Amount

N$ 350,000

Interest Rate

Prime + 2%

Repayment Term

6 months – 5 years

Features & Benefits

✓ Flexible payment options (6-72 months)
✓ Variable interest rate at Prime + 2%
✓ Maximum amount up to N$350,000
✓ Credit default & credit life insurance included
✓ No collateral required
✓ Quick processing

Qualifying Requirements

âžœ Individuals with salaries deposited into Letshego account
âžœ Stable employment
âžœ Qualifying credit assessment

Required Documents

  • Completed application form

  • Original and Valid National Identity card or Valid Passport (not expired)

  • Latest proof of income / pay slip (without bonus)

  • Income and Expenditure

  • Employment Confirmation Letter not older than 5 business days. Both Letshego form signed and stamped by the Ministry’s HR department, or Ministry letter will be accepted. In the case of teachers, a letter signed by the principal might be considered.

  • Latest 6 months’ original stamped bank statements on Salary Account for new Letshego customers

  • Bank Confirmation

  • Latest 3 months’ original bank statements on Salary Account for existing Letshego customers

  • 6 months’ pay slips if client works overtime or on commission

  • Marital Status Declaration / Spouses consent (if married ICOP)

  • Ante-Nuptial Contract (if married OCOP)

  • Marriage Certificate and Spouse’s ID / Divorce Letter / Death Certificate if widower / widow

  • Proof of Residence (utility bill / rental agreement) or Police Declaration if utility bill not in client’s name

  • No need for salary switching

Personal Loans

No collateral required

Get the funds you need for home repair, business startup, or personal projects with flexible repayment terms.

Maximum Amount

N$ 350,000

Interest Rate

Prime + 2%

Repayment Term

6 months – 6 years

Features & Benefits

✓ Flexible payment options (6-72 months)
✓ Variable interest rate at Prime + 2%
✓ Maximum amount up to N$350,000
✓ Credit default & credit life insurance included
✓ No collateral required
✓ Quick processing

Qualifying Requirements

âžœ Individuals with salaries deposited into Letshego account
âžœ Stable employment
âžœ Qualifying credit assessment

Required Documents

  • Completed application form

  • Original and Valid National Identity card or Valid Passport (not expired)

  • Latest proof of income / pay slip (without bonus)

  • Income and Expenditure

  • Employment Confirmation Letter not older than 5 business days. Both Letshego forms signed and stamped by the Ministry's HR department, or Ministry letter will
    be accepted. In the case of teachers, a letter signed by the principal might be considered.

  • Latest 6 months' original stamped bank statements on Salary Account for new Letshego customers

  • Latest 3 months' original bank statements on Salary Account for existing Letshego customers

  • 6 months' pay slips if client works overtime or on commission

  • Marital Status Declaration / Spouses consent (if married ICOP)

  • Ante-Nuptial Contract (if married OCOP)

  • Marriage Certificate and Spouse's ID / Divorce Letter / Death Certificate if widower / widow

  • Proof of Residence (utility bill / rental agreement) or Police Declaration if utility bill not in client's name

  • Employment Contract if employed for less than 1 year. If the individual has been employed in the ministry for less than one year but has a longer continuous employment history within Central Government, they must provide proof of their extended service.

  • Static Data Amendment Form (when data is amended)
    If a customer has rental income, the signed rental agreement must be provided, and rental income must be evident on bank statements.

  • Bank Confirmation

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