This is a flexible personal loan solution tailored for individuals employed in the private sector. It supports various financial needs, including unexpected expenses and planned purchases, by providing timely and accessible credit that promotes financial stability.

Features:

• Minimum Amount: MK500,000
• Tenor: 3–12 Months
• Interest Rate: 5% per month

This product is designed to bridge temporary financial shortfalls and provide immediate financial relief for individuals facing mid-month cash flow challenges. These loans aim to alleviate short-term financial strain and ensure stability for those facing unforeseen expenses.

Features:

• Principal Amount: Minimum MWK250,000
• Tenor: 45 days (payable on the 28th of the upcoming month)
• Interest Rate: 6% per month

This loan helps individuals acquire essential assets through a lease-to-own model, with Swift Capital purchasing the asset and transferring ownership upon full repayment – enabling lifestyle upgrades without large upfront costs.

Features:

• Minimum Amount: Minimum MWK500,000
• Tenor: 1–6 Months
• Interest Rate: 5% per month

The Civil Servant Loan is a flexible, payroll-deducted facility tailored for government employees, offering affordable financing for personal needs with extended repayment terms and quick disbursement.

Features:

• Minimum Amount: Minimum MWK 500,000
• Tenor: 3–24 Months
• Interest Rate: 4% per month

Swift Capital’s Employee Loans are salary-based credit facilities designed for formally employed individuals in the private sector. Offered through agreements with employers, these loans ensure timely financial support with repayments deducted directly from payroll, backed by employer confirmation and oversight.

Features:

• Minimum Amount: MWK500,000
• Tenor: 3–12 months
• Interest Rate: 4% per month