Salary-Based Loans
Accessible short-term micro-credit for salaried individuals, with manageable repayments deducted conveniently from payroll — our flagship facility.
CBL Tier 2 · 100% Basotho-Owned
Re lora le uena. We dream with you.
See your instalment before you apply — at the lowest interest rates in the market.
Estimated monthly repayment
M1,022.08
Total repayable
M12,264.96
Loan amountM10,000.00
The gem follows your cursor — and grows with your loan.
0% p/aLowest market rate
0 monthsTerms from 3 months
0%Basotho-owned
0 productsFor every ambition
Financial inclusion, cut like a gem.
Incorporated in 2017 under the Companies Act 2011 and commencing operations in 2020 from Maseru, Platinum Credit Ltd is a 100% Basotho-owned, Tier 2 licensed microfinance and registered credit provider with the Central Bank of Lesotho — serving public and private sector employees and MSMEs across the country.
- 2017
Incorporated — registered under the Companies Act 2011 as Wazzah (Pty) Ltd, later Wazzah Ltd.
- 2020
Platinum Credit is born — renamed Platinum Credit Ltd, licensed by the CBL as a microfinance institution, and opened for business.
- 2021
Tier 2 elevation — elevated to Tier 2 status in just one year, reflecting rapid growth and regulatory adherence.
- 2025
Operations resumed — following settlement of a legal matter, PCL resumed full operations, recommitted to Basotho.
Loans built for every Mosotho ambition.
Six facilities for employees and entrepreneurs — each priced to be genuinely affordable.
Emergency Loans
Small, quick-disbursing loans for unexpected needs — medical costs, urgent repairs — when time matters most.
Individual Loans
For education fees, home improvements, or essential asset purchases — investments in your family's future.
Microenterprise Loans
Short-term working capital for inventory, equipment, or expansion — fuel for Lesotho's traders and artisans.
Agri-Loans
Seasonal input loans, equipment financing, and post-harvest storage loans tailored to farming cycles.
Group Loans
Solidarity lending to registered savings groups like mekhatlo (stokvels), based on mutual guarantee.
The lowest interest rates in the market — 10% p/a.
See What You Qualify ForA process built on CBL compliance.
Thorough know-your-customer verification, a rigorous affordability assessment, and a 72-hour cooling-off period — every step follows Central Bank of Lesotho requirements, protecting you and managing fraud risk.
I
Visit Thulo Building or the BNP Center branch in Maseru with your ID, latest payslip or business records, and bank statements.
II
We verify your identity and documents thoroughly, as the CBL requires, to manage fraud risk — then assess affordability to protect you from over-indebtedness.
III
Clear terms and pricing with no hidden fees. You see the full cost of credit before you commit.
IV
CBL policy gives you 72 hours to reconsider after signing. Once the cooling-off period passes, funds are disbursed to your account.
Affordability Self-Assessment
Check what your paycheck can carry.
Enter your figures to see your maximum comfortable instalment and the loan it could support. Everything is calculated on your device — nothing is sent or stored.
Enter your figures
- Maximum instalment availableM0.00
- Estimated loan you could qualify forM0.00
- New nett after PCL instalmentM0.00
- Affordability % of gross (after new loan)0.00%
- Your estimator instalmentM1,022.08
Guide only, using a 30% of gross affordability benchmark. Your formal assessment at our offices verifies payslips, bank statements, and existing commitments, and always takes precedence.
Aerial view of a village in the Maloti Mountains, Lesotho.
Photo: SkyPixels, Wikimedia Commons · CC BY-SA 4.0One family, one business, one district at a time.
Empowering individuals, entrepreneurs, and underserved communities across Lesotho — through responsible lending, financial education, and innovative services.
Community rooted. Regionally bold.
We don't just serve communities — we're part of them. Our success is measured by their prosperity.
I
Deep Lesotho Expertise
We understand the local market, culture, and challenges intimately — products designed with and for the people of Lesotho.
II
Inclusive Empowerment
Levelling the financial playing field so women, youth, entrepreneurs, and marginalised communities get the tools to thrive.
III
Integrity & Trust
Relationships built on transparency, ethical lending, and accountability — clear pricing, no hidden fees.
IV
Innovation for Impact
Embracing technology and creative solutions to make finance faster, simpler, and more accessible across Lesotho.
V
Resilience & Hustle
We champion the grit of small business owners and adapt alongside them — turning challenges into growth.
VI
Strong Governance
Robust risk management and full adherence to Central Bank of Lesotho regulations, led by an experienced Board.
Let's start dreaming together.
Walk in, call, or write — our team will guide you from first question to final payout.
Head OfficeThulo Building, Maseru 100, Lesotho
Maseru BranchRoom 11, BNP Center, Maseru 100
Office Lines+266 2232 4412+266 5201 1000
WhatsApp & Email+266 6945 7676info@pcl.co.ls
Request a Quick Quote
Community
Giving back, one community at a time.
Approved community updates will appear here when PCL supplies verified dates, details, and media.
Our Team
The people behind the platinum standard.
A 100% Basotho team of finance professionals, serving clients with expertise, integrity, and heart.
NT
Nomvula Tsenase
Managing Director & Founder
Founded Platinum Credit and leads its vision, strategy, and growth in service of Basotho.
MM
Mopeli Mohale
Head of Operations
Oversees daily operations across our branches, ensuring every client’s journey from application to payout runs smoothly.
TL
Thabang Lerata
Head of Finance
Leads PCL’s financial management, reporting, and planning with accuracy and discipline.
TT
Tsenase Tsenase
Head of Compliance, Legal & AML
Ensures full adherence to CBL regulations, consumer-protection law, and anti-money-laundering standards.
MR
Matseliso Rakhoabe
Head of Human Resources
Builds and cares for the PCL team — recruitment, development, and a culture of service.
Vacancies
Build your career with us.
Join a growing, CBL-licensed microfinance institution that invests in its people as much as its clients.
No open vacancies right now.
Email your CV to info@pcl.co.ls and we'll keep it on file for future roles.