Loan Calculator
How It Works
1. Apply Online or Via Email – Submit your Namibian ID, payslip, bank statement, and proof of residence.
2. Quick Approval (24 Hours) – We check your credit score & affordability.
3. Sign Your Agreement – In person (Windhoek) or via email (outside Windhoek).
4. Get Your Loan Fast – EFT transfer within 24 hours.
5. Repay Easily – Debit order, EFT, or cash payment through Namibian banks.
Payday Loan
- Interest Rate: 30%
- Repayment Term: 1 installment
- Best For: Salary advances, emergency medical bills, urgent expenses
- Loan Amount Range: N$1 000 - N$10 000
- Approval Time: Within 24 hours
- Disbursement: EFT within 24 hours after signing agreement
- Repayment Methods: Debit order, EFT, or cash
Revolving Credit
- Interest Rate: 25%
- Repayment Term: 3 - 5 cycles/revolves
- Best For: Ongoing cash flow needs, business support, recurring expenses
- Loan Amount Range: N$1 000 - N$10 000
- Approval Time: Within 24 hours
- Disbursement: EFT within 24 hours after signing agreement
- Repayment Methods: Debit order, EFT, or cash
2–3 Month Loan
- Interest Rate: 30%
- Repayment Term: 2 months = 2 installments, 3 months = 3 installments
- Best For: Flexible short-term needs, project-based costs, bridging finance
- Loan Amount Range: N$1 000 - N$10 000
- Approval Time: Within 24 hours
- Disbursement: EFT within 24 hours after signing agreement
- Repayment Methods: Debit order, EFT, or cash
We Also Offer Insurance
Waveflex Finance is an authorised broker for short-term and life insurance through:
Old Mutual
Santam
Hollard
If you’re looking for additional financial security, speak to us about adding affordable insurance to your loan package.