FAQ’s

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

FIRST FINANCE offers a range of loans:

  • Short-Term Loans: Up to E30,000 over 24 months.
  • Medium-Term Loans: Up to E200,000 over 60 months
  • Long-Term Loans: Up to E350,000 over 84 months

Loan uses: Land/Home Acquisition/Improvement, education expenses, loan consolidation, vehicle acquisition/repairs, etc.

3What documents and information do I need to provide when applying for a loan at FIRST FINANCE?

When applying for a loan, you will need:

  • Confirmation letter from employer
  • Valid Eswatini bar-coded ID
  • Latest pay slip
  • Three months’ bank statement that shows three consecutive monthly salaries
  • Proof of residence  

Having all necessary documents prepared will expedite the approval process. Contact our customer service team for guidance if needed.

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

You can apply by visiting any of our branches:

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

We are also expanding our services and digital transformation to enable online applications.

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

We strive to approve loans within 24 hours. However, the approval time may vary based on factors like loan type, application completeness, and verification processes. Consolidation loans may take longer due to additional processes involved in dealing with the applicant’s creditors.

6Does FIRST FINANCE allow part payments?

Yes, FIRST FINANCE allows part payments on loans under certain terms and conditions. Part payments can reduce the remaining principal, overall interest, or loan duration. For assistance, contact our customer support team.

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 reach our customer service via:

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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