FAQ’s

1Who does FIRST FINANCE COMPANY lend to?
FIRST FINANCE provides lending services mostly to civil servants or government employees, parastatals, and selected private companies that we have a lending agreement with.
2What types of loans does FIRST FINANCE offer?

FIRST FINANCE offers a range of loans, including:

  • Short-Term Loans: From E2,000 to E30,000 over a period of 1-24 months. These loans can be used to cover funeral, medical, and educational expenses. You can revolve the loan when the need arises. 
  • Medium-Term Loans: From E30,000 to E100,000 over a period of 25-48 months. These loans can be used for purposes such as home improvements and vehicle repairs.
  • Long-Term Loans: From E100,000 to E350,000 over a period of 49-84 months. These loans include but are not limited to home loans, debt consolidation, and car loans.
3What documents and information do I need to provide when applying for a loan at FIRST FINANCE?

When applying for a loan at FIRST FINANCE, you will need to ensure you have the following documents ready:

  • Proof of employment
  • Identification documents: Valid Eswatini barcoded ID
  • Financial Bank statements:Three month’s bank statement that shows three consecutive monthly salaries
  • Proof of income: Copy of latest pay slip 

Depending on the type of loan and your specific financial situation, FIRST FINANCE may request additional documentation to support your application i.e. income and expenditure. 

It is important to have all necessary documents prepared and organized before starting the application process to expedite the approval process and ensure a smooth experience. If you have any questions about specific requirements or need assistance with your application, don’t hesitate to contact our customer service team for guidance.

4How can I apply for a loan at FIRST FINANCE?

To apply for a loan at FIRST FINANCE, you can visit any of our branches at:

  • Mbabane Branch: 1st Floor, Intfutfuko Building, Corner of Gwamile and Dabede Streets
  • Manzini Branch: Ground Floor, Louw Street, EEC Building 
  • Nhlangano Branch: Skonkwane Street, Lot 279 

The number of our branches may increase as we continue to expand and optimize our services. We are committed to providing convenient access to financial services and look forward to assisting you in any of our branches.  

We have also embarked on a digital transformation journey to automate our process and enable online applications.

5How long does FIRST FINANCE’s loan approval process take?

At FIRST FINANCE, we understand the importance of timely financial assistance. We pride ourselves in ensuring that clients who have applied for loans receive them within 24 hours. 

However, our turnaround time for loan applications may vary depending on factors such as the type of loan, the completeness of the application, and the verification process involved. For instance, consolidation loans may take longer due to the essential process involved in dealing with the applicant’s creditors. 

Typically, our goal is to process loan applications as quickly as possible while ensuring thorough review and accuracy. We strive to continue streamlining our processes to expedite loan approvals while maintaining our commitment to responsible lending practices. Rest assured, we are dedicated to providing you with efficient and reliable financial services.

6Does FIRST FINANCE allow part payments?

Yes, FIRST FINANCE allows part payment on loans, subject to certain terms and conditions. In this context, part payments refer to payments to reduce the remaining principal amount. We understand the diverse needs of our clients for which they borrow money. Some of these reasons are short-term in nature and once our clients have obtained funds from other sources, FIRST FINANCE allows them to make part payments, or settle the loan in full. 

Making part payments can have various benefits such as reducing the overall interest paid over the loan term or shortening the loan duration. 

For further assistance or enquiries on part payments, please don’t hesitate to reach out to our customer support team. We are here to help you manage your loan effectively and achieve your financial goals.

7How does debt consolidation work?

This arrangement involves taking a loan to combine usually, multiple debts into a single and better manageable loan or line of credit. This is often done to improve the monthly net income due to the new reduced monthly instalment. This arrangement works out best if the consolidation loan has a lower interest than the other loans. 

At FIRST FINANCE, we offer debt consolidation loans subject to agreements entered into with the employers and the monthly earnings of each client. 

As a responsible and licensed financial services provider, we ensure that clients understand the implications of a debt consolidation loan as this usually entails extended loan repayment periods. A client who wants to access our debt consolidation loans must submit the normal loan requirements, as well as confirmation of loan settlement balances for all the loans to be consolidated.

8How can I contact FIRST FINANCE’s customer service department?
You can contact First Finance’s customer service department through our Website, Social Media Pages, Call Centre, Phone, WhatsApp Line-7808 5575, or Email, which can be found on this website or loan documents.
9What is the minimum and maximum loan amount that one can get at FIRST FINANCE?
Currently, our loans range from E2,000 up to E350,000. Please note that the maximum loan is subject to the terms and conditions of each employer that we have a lending agreement with.
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