Products & Services
Loans built for every Mosotho ambition.
Short-term loans for civil and private sector employees as well as micro, small and medium entrepreneurs — priced to be genuinely affordable for our target market.
01
Salary-Based Loans
Accessible short-term micro-credit for salaried individuals, with manageable repayment terms deducted conveniently from payroll.
02
Emergency Loans
Small, quick-disbursing loans for unexpected needs — medical costs, urgent repairs — when time matters most.
03
Individual Loans
For education fees, home improvements, or essential asset purchases — investments in your family’s future.
04
Microenterprise Loans
Short-term working capital for inventory, equipment, or business expansion — fuel for Lesotho’s traders and artisans.
05
Agri-Loans
Seasonal input loans for seeds and fertiliser, equipment financing, and post-harvest storage loans tailored to farming cycles.
06
Group Loans
Solidarity lending to registered savings groups like mekhatlo (stokvels), based on mutual guarantee and community trust.
Competitive interest rates — 10% p/a.
Ready to start dreaming?
Use our estimator to see what your loan could look like — then talk to us.
Platinum Credit Ltd is a 100% Basotho-owned microfinance institution and registered credit provider, licensed and supervised by the Central Bank of Lesotho (Tier 2). Every application undergoes an affordability assessment — we will not extend credit an assessment indicates you cannot reasonably repay. A full pre-agreement statement of cost is provided before any funds are advanced, and a statutory cooling-off period and early-settlement options apply in line with the Financial Consumer Protection Act No. 7 of 2022. Interest rates and fees shown on this site are indicative; your binding cost of credit is set out in your personalised quotation. Borrow responsibly.
© Platinum Credit Ltd. All rights reserved.
Thulo Building, Maseru 100, Lesotho · +266 2232 4412