Credit Express ® Personal Loans

Credit Express Personal Loans are available to eligible Card Members. You can only apply if you receive an offer to apply and continue to meet the eligibility requirements. You must be 18 years or older, an African citizen or resident in the Africa or its territories.

Funds will be deposited directly into your bank account on file. If you don’t have an existing bank account on file with us, you’ll be prompted to add the routing and account numbers of your bank account. If we are unable to verify your bank account for any reason, we will not be able to send any loan funds to you and your Personal Loan agreement will be void and unenforceable.

We will send your loan funds to your bank account on file in as fast as 1 day after you’ve signed your Personal Loan agreement and completed all necessary verification steps. It’s important to know that your bank may take additional time to post your loan funds to your account. If any loan funds do not post to your bank within two weeks, please contact us or your bank.

Personal Loans are payable in fixed monthly installments. The amount of your monthly payment will depend on the amount you borrow, the repayment period you select, and the total interest charged on your Personal Loan (based on the interest rate that applies).

On your application, you can choose your repayment period from the options shown. Keep in mind that a longer repayment period may result in a lower monthly payment, but more total interest than if you choose a shorter repayment period for the same loan amount.

Personal Loans may not be used for post-secondary education expenses, real estate, business, securities, vehicle purchases (other than as down payment for a vehicle), to pay down balances on Credit Express-issued Cards or any purpose prohibited by law or not otherwise permitted by the Terms and Conditions or your Personal Loan agreement.