100% Basotho-Owned · Tier 2 Licensed by the Central Bank of Lesotho
Re lora le uena. We dream with you.
Platinum Credit Ltd bridges the financial gap for Basotho — practical, affordable loans for salaried employees, entrepreneurs, and communities often excluded from traditional banking. The lowest interest rates in the market.
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Competitive market rate
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Terms from 3 months
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Basotho-owned
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For every ambition
Who We Are
Financial inclusion, cut like a gem.
Incorporated in 2017 under the Companies Act 2011 and commencing operations in 2020 from Maseru, Platinum Credit Ltd is a dedicated 100% Basotho-owned, Tier 2 licensed microfinance and registered credit provider with the Central Bank of Lesotho. We serve individuals in the public and private sectors, as well as micro, small and medium businesses — empowering clients to start or grow businesses, manage household cash flow, invest in education, build assets, and weather financial shocks.
- 2017
Incorporated — registered under the Companies Act 2011.
- 2020
Licensed & established — officially licensed as a microfinance institution, committed to responsible, accessible credit.
- 2021
Tier 2 elevation — elevated to Tier 2 status in just one year, reflecting rapid growth, operational soundness, and regulatory adherence.
- 2025
Operations resumed — following the settlement of a protracted legal matter, PCL resumed full operations, stronger and recommitted to Basotho.
Products & Services
Loans built for every Mosotho ambition.
Short-term loans for civil and private sector employees as well as micro, small and medium entrepreneurs — priced to be genuinely affordable for our target market.
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Salary-Based Loans
Accessible short-term micro-credit for salaried individuals, with manageable repayment terms deducted conveniently from payroll.
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Emergency Loans
Small, quick-disbursing loans for unexpected needs — medical costs, urgent repairs — when time matters most.
03
Individual Loans
For education fees, home improvements, or essential asset purchases — investments in your family’s future.
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Microenterprise Loans
Short-term working capital for inventory, equipment, or business expansion — fuel for Lesotho’s traders and artisans.
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Agri-Loans
Seasonal input loans for seeds and fertiliser, equipment financing, and post-harvest storage loans tailored to farming cycles.
06
Group Loans
Solidarity lending to registered savings groups like mekhatlo (stokvels), based on mutual guarantee and community trust.
The lowest interest rates in the market — 10% p/a.
Our Approach
Simple processes. Responsible lending.
A process built on CBL compliance. Rigorous Know-Your-Customer and affordability checks, a clear step-by-step path from application to payout, and a statutory cooling-off period that protects you — because our clients’ trust is the foundation of everything we do.
Apply
Visit us at Thulo Building or the BNP Center branch in Maseru with your ID, latest payslip or business records, and bank statements.
Affordability Check
A rigorous, documented assessment of your income and commitments — protecting you from over-indebtedness, not just qualifying you.
Sign With Clarity
Clear terms, conditions, and pricing with no hidden fees. You see the full cost of credit before you commit.
Receive & Grow
Fast disbursement to your account — then flexible, manageable repayments while you build your business, home, or future.
Loan Estimator
See your instalment before you apply.
Move the sliders to estimate a monthly repayment at our 10% per annum rate. Our team confirms your personalised offer after a full affordability assessment.
Request a Formal QuoteFigures are indicative, calculated on a reducing-balance basis, and exclude initiation and monthly service fees, which will be disclosed in your pre-agreement quotation. Final terms depend on your affordability assessment.
Affordability Self-Assessment
Check what your paycheck can carry — before you apply.
Responsible lending starts with you. Enter your figures below to see your maximum comfortable instalment and the loan amount it could support. Everything is calculated on your device — nothing is sent or stored.
- Maximum instalment availableM0.00
- Estimated loan you could qualify forM0.00
- New nett after PCL instalmentM0.00
- Instalment as % of gross salary0.0%
- Your estimator instalmentM879.16
Guide only, using a 30% of gross affordability benchmark and PCL’s approved pricing. Your formal assessment at our offices verifies payslips, bank statements, and existing commitments, and always takes precedence.
Why Choose Us
Community rooted. Regionally bold.
We don’t just serve communities — we’re part of them. Our success is measured by their prosperity.
Deep Lesotho Expertise
We understand the local market, culture, and challenges intimately — products designed with and for the people of Lesotho.
Inclusive Empowerment
Levelling the financial playing field so women, youth, entrepreneurs, and marginalised communities get the tools they need to thrive.
Integrity & Trust
Relationships built on transparency, ethical lending, and accountability — with clear pricing and no hidden fees.
Innovation for Impact
Embracing technology and creative solutions to make finance faster, simpler, and more accessible across Lesotho.
Resilience & Hustle
We champion the grit of small business owners and adapt alongside them — turning challenges into opportunities for growth.
Strong Governance
Robust risk management and full adherence to Central Bank of Lesotho regulations, led by an experienced Board of Directors.
One family, one business, one district at a time.
From Thaba-Tseka to Qacha’s Nek, Mafeteng to Butha-Buthe — we stand with Basotho communities across every district, turning shared dreams into real prosperity.
Photo: Maloti Mountains, Lesotho · CC BY-SA 4.0Community & News
Rooted in Lesotho. Growing together.
We don’t just lend money — we invest in people, communities, and the future of Basotho entrepreneurship.
Financial Literacy Workshops
Free savings and budgeting sessions for small business owners in Maseru and surrounding districts — building financial resilience from the ground up.
Tier 2 License Renewed
Platinum Credit Ltd’s Central Bank of Lesotho Tier 2 microfinance license has been renewed, reaffirming our commitment to regulated, responsible lending.
Back-to-School Drive 2026
School supplies and uniform support for 200+ children across three districts — because every child deserves a strong start.
Meet the Team
The people behind Platinum Credit.
Experienced, purpose-driven professionals committed to financial inclusion for every Basotho.
Nomvula Tsenase
Strategic leadership and a passion for expanding financial access across Lesotho.
Mopeli Mohale
Ensuring every client interaction is smooth, efficient, and built on trust.
Thabang Lerata
Sound financial stewardship and rigorous risk management across the portfolio.
Tsenase Tsenase
Full adherence to CBL regulations and the Financial Consumer Protection Act.
Rapelang Mokhoro
Responsible lending decisions and affordability-first credit assessments.
Careers
Join the team building Lesotho’s financial future.
We’re always looking for driven, purpose-aligned people who want to make real impact.
Loan Officer — Maseru Branch
Responsible for client onboarding, affordability assessments, and portfolio management in the Maseru office. 1–2 years microfinance or banking experience preferred.
Apply now →No other open positions right now
Don’t see a role that fits? Send your CV to info@pcl.co.ls — we’ll keep you in mind when new opportunities open up.
Quick Quote
Get a preliminary estimate in 30 seconds.
Tell us a little about what you need — we’ll send you a personalised quote within one business day.
Contact Us
Let’s start dreaming together.
Walk in, call, or write — our team will guide you from first question to final payout.
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Head OfficeThulo Building, Maseru 100, Lesotho
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Maseru BranchRoom 11, BNP Center, Maseru 100, Lesotho
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Office Lines+266 2232 4412 · +266 5201 1000
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WhatsApp+266 6945 7676
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Email & Webinfo@pcl.co.ls · www.pcl.co.ls
Office Hours
| Monday — Friday | 09:00 — 17:00 |
| Saturday | 09:00 — 13:00 |
| Sunday & Public Holidays | Closed |
Bring your ID, latest payslip or business records, and recent bank statements to speed up your assessment.
Request a Quick Quote
Ready to start dreaming?
Use our estimator to see what your loan could look like — then talk to us.
Platinum Credit Ltd (Company No. 60221; formerly Wazzah (Pty) Ltd, then Wazzah Ltd) is a 100% Basotho-owned microfinance institution and registered credit provider, licensed and supervised by the Central Bank of Lesotho (Tier 2). Every application undergoes an affordability assessment — we will not extend credit an assessment indicates you cannot reasonably repay. A full pre-agreement statement of cost is provided before any funds are advanced, and a statutory cooling-off period and early-settlement options apply in line with the Financial Consumer Protection Act No. 7 of 2022. Interest rates and fees shown on this site are indicative; your binding cost of credit is set out in your personalised quotation. Borrow responsibly.
© Platinum Credit Ltd. All rights reserved.
Thulo Building, Maseru 100, Lesotho · +266 2232 4412