Personal loan
For anything from a funeral to a fridge
- Amount
- K500 – K20,000
- Term
- 6 – 36 months
- Rate from
- 14.5% p.a.
Repaid by fortnightly salary deduction where your employer allows it.
Licensed lender · Established 2015
Loans that leave you better off, not deeper in.
Personal, school fee, business and asset loans. See exactly what you'll repay before you apply — every fee, in writing, no surprises at signing.
24 hrsTypical decision
17Years lending
12,000+Loans written
Our loans
Six loans. Every rate published.
Pick the one that fits and we'll tell you what it costs before you fill in a single form.
School fee loan
Paid straight to the school
- Amount
- K500 – K12,000
- Term
- 6 – 24 months
- Rate from
- 12.0% p.a.
Our lowest rate. Funds go to the institution, with a receipt back to you.
Business loan
Stock, equipment, working capital
- Amount
- K5,000 – K200,000
- Term
- 12 – 60 months
- Rate from
- 16.0% p.a.
Bring six months of trading records and we can usually decide in two days.
Vehicle & asset finance
Cars, trucks, machinery, generators
- Amount
- K10,000 – K150,000
- Term
- 12 – 60 months
- Rate from
- 15.0% p.a.
The asset secures the loan, which is what keeps this rate below a personal loan.
Emergency loan
Small, short, same-day where we can
- Amount
- K300 – K3,000
- Term
- 1 – 6 months
- Rate from
- 20.0% p.a.
Our dearest loan. Take the smallest amount that solves the problem, then repay it fast.
Top-up & refinance
Already borrowing? Consolidate it
- Amount
- K1,000 – K50,000
- Term
- 6 – 48 months
- Rate from
- 15.5% p.a.
We'll only refinance you if the new deal is cheaper. We'll show you the comparison.
Repayment calculator
See the whole cost, not just the repayment.
Most lenders show you a fortnightly figure and stop there. Here's the total interest too — the number that actually tells you whether a loan is worth taking.
K
K300K200,000
% p.a.
0%40%
months
1 month60 months
Repayment frequency
K
Per pay period. Add it and we'll tell you whether this repayment is comfortable.
Eligibility
Six questions. No credit check, no phone call.
Find out where you stand before you spend twenty minutes on an application. Nothing here is recorded or sent to us.
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1 Are you 18 or over?
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2 Do you have a National ID, passport or driver's licence?
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3 What's your main source of income?
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4 How long have you been earning it?
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5 Do you have a bank account in your name?
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6 Are you behind on any loan right now?
Apply
Two ways to apply. Both end with a real person.
Online takes about six minutes. If you'd rather do it on paper, download the form and bring it to any branch — we'll never charge you extra for applying the slow way.
Fastest
Apply online
Four short steps. You'll see your indicative repayment as you go, and a summary you can print at the end.
Apply on paper
Download the application form and the brochure, fill them in by hand, and bring them to a branch with your documents.
- 1 About you
- 2 Your income
- 3 Your loan
- 4 Review
Step 1 of 4
Application received
Thanks, friend. Your reference is GH-000000.
Write that number down. We'll call you on the number you gave us, usually within one business day. Bring your documents to any branch when you come in.
Why us
Four promises, in writing, in your loan offer.
Every fee, before you sign.
One page listing the rate, the establishment fee, and the total you'll repay. If a charge isn't on that page, we can't charge it to you.
No penalty for paying early.
Clear the loan next month or next year — you pay only the interest that has accrued up to that day. Early repayment saves you money here.
We'll say no when no is right.
If the repayment would leave you short, we'll tell you and suggest a smaller amount. A loan you can't service is a bad sale for both of us.
Talk to us early if you're struggling.
Missed payments cost you more than a conversation does. Come in before it becomes arrears and we will restructure where we can.
What happens next
From application to money in hand.
Step 01
You apply
Online in six minutes, or on paper at a branch. Either way we need the same documents.
Step 02
We assess
We check your income and what you already owe. Usually a decision inside 24 hours.
Step 03
You read the offer
One page, plain language, every cost listed. Take it home overnight if you want to.
Step 04
Funds released
Into your account, or straight to the school or supplier where that's the arrangement.
Questions
The things people ask at the counter.
How fast will I get a decision?
Most applications are decided within one business day. Emergency loans under K3,000 are often same-day if you apply before midday with all your documents.
What documents do I need?
At minimum: photo ID, three recent payslips or six months of business records, and three months of bank statements. Run the eligibility check above and it will list exactly what applies to you.
Do I need a guarantor?
Not for salary-deduction loans. For business loans over K50,000 and for applicants under six months in a job, we usually ask for one.
What if my employer isn't on your deduction list?
You can still borrow — you'd repay by standing order from your bank account instead. Ask us and we'll approach your employer about setting up deductions.
Can I repay early?
Yes, at any time, with no penalty. You pay only the interest accrued to that date, so clearing a loan early genuinely costs you less.
What happens if I miss a payment?
Contact us before the due date if you can. We can often restructure. If you say nothing, a late fee applies and continued arrears are reported, which affects your ability to borrow anywhere.
Why is the emergency loan rate so high?
Because it's small, unsecured and short — the cost of assessing and administering it is spread over very few payments. It's the right tool for a genuine emergency and the wrong tool for anything else. We'll say so if you apply for one you don't need.
Do you lend to people already repaying another loan?
Often yes, provided the combined repayments still leave you enough to live on. Our top-up loan exists for exactly this, and we'll only do it if the new arrangement is cheaper than what you have.
Borrowers
In their words.
“They worked out I only needed half what I'd asked for, and told me so. First lender who ever talked me down.”
“Applied on my phone on Tuesday night. They rang Wednesday morning. Stock was in the shop by Friday.”
“I fell behind when I got sick. I went in and they restructured it instead of adding fees. That's the whole reason I'm still a customer.”
Get in touch
Come in, call, or send a message.
If you're not sure which loan fits, ask us before you apply. There's no charge for a conversation.
- Phone
- +675 7353 6757
- noah.waima@goodhands-finance.com
- Branch
- P.O Box 697, Mendi
Southern Highlands - Hours
- Monday to Friday, 8:00am – 4:30pm
Saturday, 9:00am – 12:00pm