Micro Loans

Immediate access to cash when you’re in a bind and need it most.


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United Pay offers convenient and affordable access to short term loans; through our tailored United Pay micro-loans. Get up to E50 000.00 cash, at very competitive interest rates payable within 36 months. Loans are available to all individuals whom:

  1. Qualify according to statutory deductions regulation,
  2. Have contractual capacity,
  3. Are gainfully employed in private / public sectors and their employers are agreeable to source deductions.

Terms and conditions apply

Contact us toll-free, on 800-1010 for further information

The Micro Loans Benefits

Benefits 1

Financial Boost

When you need it most, United Pay grants you the boost you need for those unexpected moments.

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Easy Pay Options

Because it is deducted from your salary, you don't need to worry about when to pay the installments back.

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Easy Application

United Pay is directly affiliated to all the Dups Group and United Holdings companies, so there's no need for long forms and waiting in queues.

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Immediate Payment

When you need money in unexpected circumstances, you need it quickly - our payments are immediate, provided all approvals are met.

Micro Loans Online Services

The details of the United Pay Product(s) are all located in the downloadable brochure below. After you have perused the document and made your selection, start your application process by filling your details into the form below, and we’ll get in touch to complete your application. Please note that in order for us to assist you with a loan, we will require the following information:

  1. Full names and title
  2. Swaziland identity number
  3. Physical address
  4. Postal address
  5. Mobile phone number
  6. Employer (For civil servants we also require the employment number and ministry/department)

Start Your Application Process

I am interested in the Micro Loans product

Frequently Asked Questions

Wondering how to pay your account?

You can do this via multiple channels, physically you can come into one of our office and pay at reception or you can setup a debit order using the below details:

Bank: Standard Bank Swaziland
Account Name: Dups Direct Insurance
Account Type: Current
Account Number: 9110001930217
Branch Name Manzini Branch
Branch code: 660564
Swift Code: SBICSZXXX

No. But it is important to inform us that you have lost the job in writing and commit to pay whatever amount to keep your account running until you find another job.

No. We only give loans to individuals gainfully employed in the private and public sectors.

The Company policy is that we give loans to clients in formal employment.

Interest is 15% per annum + 10% service fee + initiation fee which varies according to the risk profile of the client and a credit life policy premium.

Not more than 48 hours.

  • Employment confirmation letter (employer should confirm source deduction, if there is no service level agreement in place with United Pay)
  • Current Payslip
  • 3 months bank statement.
  • Certified copies of ID/ Passport (must be certified less than 6 months ago).

Get in Touch

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