PHOI Capital
Solutions for Africans by Africans Africa

Borrow up to P20,000

Get a low interest loan in under 60 minutes.

Calculator

60min

Approval

100%

Hassle-Free

Our Core Values

Best financial assistance since 2021

Dedicated to making sure you are financially secure, retaining happy clients and attracting thousands more each month.

Lowest Interest Rates

Fast Assistance

Flexible Repayment

Our Solutions

Tailored services for your financial journey

Personal Loans

Debt Consolidation

Credit Bureau Clearance

Advisory

Plan Ahead

Loan Calculator

Use our interactive calculator to estimate your monthly repayments based on your desired loan amount and term.

P
1 Month 6 Months

Monthly Payment

P4,957

/ month

Total Payable: P14,871

*Estimation based on standard rates. Final terms may vary.

Client Success Stories

Hear What Our Clients Say

"Phoi Capital has been instrumental in our staff retention by providing sustainable loan solutions to our staff of over 500. They have been able to build their homes amongst others."

BG

Brandon Gabaake

Entrepreneur

"Their interest rates are truly unbeatable. Saved me so much hassle and helped me consolidate my debts smoothly."

OM

Onneile Mosweunyane

Teacher

"Friendly staff and flexible repayment terms made my emergency stress-free. Very grateful for PHOI Capital."

PM

Peter Molefe

Civil Servant

Who We Are

About PHOI Capital

PHOI CAPITAL is a personal finance company founded and registered in the Republic of Botswana in 2021.

The organization was formed with the purpose of providing financial solutions to formally employed individuals, serving in both the public and private sector; particularly those in the low to middle income bracket.

Our Mission To offer swift financial solutions to our clients through commendable staff efficiency and systematic elimination of excessive paperwork.

Questions & Answers

Frequently Asked Questions

What are your interest rates?
We have the industry’s lowest interest rates. Our pricing is highly competitive and structured to ensure you don't fall into a debt trap. Our exact rates depend on the loan amount and your credit profile. Contact us for a personalized quote.
How fast can I get a loan?
We are committed to crediting client accounts in under sixty minutes once all required documents are provided and approved.
What do I need to apply?
You will need a valid National ID (Omang) or passport, your latest payslip, three months' bank statements, and confirmation of employment.
Can I extend my repayment terms?
Our standard loans are repayable over a maximum period of six months. Under specific schemes, we can extend this up to twelve months. Contact us to discuss your circumstances.