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FSRA LICENSED Regulated Microlender FSP No. 0723/2025 | Visibilitty (Pty) Ltd
EasiBucks — Your Money's Home
FSRA Regulated Microlender | Eswatini

Fast, Fair Payday Advances.
Pro-Rata Daily Interest.

Escape high-interest debt traps. Access up to 50% of your salary at an FSRA-approved rate. Settle early and choose whether to save unearned daily interest into EasiRewards or cash out instantly to Mobile Money.

Loan Range
E200 - E5,000
Disbursement
< 24 Hours
Daily Pro-Rata
Exact Days
Loyalty Rates
Down to 11%
Calculate Your Advance Dial *9995#

EasiLoan Calculator

Transparent FSRA Cost Breakdown

Zero Hidden Fees
E 1,000
E 200 E 2,500 E 5,000
Principal Advance: E 1,000.00
Interest Rate (15% Flat): E 150.00
Admin Fee (2.5%): E 25.00
Payroll Processing Fee (2%): E 20.00
Total Payable on Payday: E 1,195.00
EasiRewards Cushion
Auto-saved to build your emergency net
E 100.00
10% Set Aside
Our Code of Conduct

Meet Miki's Four House Rules

Miki is our Know-it-all-in-chief: equal parts accountant, auntie, and arbiter of fair play. Here is our non-negotiable consumer promise.

01

No Hidden Fees

Only three transparent figures: interest, admin, and payroll processing. Disclosed upfront before you sign. If anyone whispers otherwise, report them to Miki.

02

No Rollovers - Ever

30 days is 30 days. We never roll over unpaid loans into compound debt spirals. If you struggle, we talk civilly and restructure responsibly.

03

Pro-Rata Daily Interest

Interest is calculated on exact calendar month days ($28, 30, \text{ or } 31$). Settle early and pay only for the exact days you used the money.

04

Save or Cash Out

Your early repayment interest rebate can be saved to EasiRewards to accelerate rate drops or cashed out instantly to MTN MoMo / eMali.

Fair Interest Engine

Exact Calendar Day Pro-Rata Calculator

Interest is charged strictly per calendar day. Repay early and choose whether to route unearned interest into EasiRewards or cash out to your Mobile Wallet.

Early Settlement Rebate Simulator

Calculate your exact unearned interest refund

Pro-Rata Savings
E 1,000
Repaid On Day: Day 10
Daily Interest Rate ($\frac{\text{Principal} \times 15\%}{\text{Days in Month}}$): E 5.00 / day
Interest Charged (10 days used): E 50.00
Unearned Interest Rebate Credit: E 100.00
Choose how to receive your E100.00 rebate:

The EasiBucks Product Ecosystem

Tailored financial tools for formally employed workers, corporate payrolls, and institutional partners.

Core Advance

EasiLoan

Payday advances from E200 to E5,000 processed within 24 hours. Repaid via single seamless payroll deduction on payday.

  • 15% flat monthly starting rate
  • Pro-rata daily interest on early payoff
  • Automatic Credit Life Protection included
Built-In Savings

EasiRewards

Your automatic emergency cushion hub. Receives 10% loan set-aside and unearned pro-rata daily interest rebates.

  • Save or Cash Out early rebates
  • Unlock 50% after 3 on-time repayments
  • Unlock 100% after 6 on-time repayments
Payroll Reward

13th Cheque Booster

Our circular model allocates 33% of gross interest back into a ring-fenced employee year-end bonus escrow trust.

  • Self-funding employee benefit
  • Co-managed escrow trust protection
  • Zero balance sheet cost for employers
Loyalty Rewards Program

Better Conduct, Cheaper Rates

Your EasiLoan starting interest rate is 15%. Every on-time repayment builds your trust rating and automatically triggers lower interest rates on future advances.

Miki's Rate Guarantee

No complicated paperwork or re-application needed. As soon as payroll clears your repayment, your rate reduction activates automatically.

1st
First Advance
Standard Starting Rate
15%
3x
3 On-Time Repayments
Good Standing & 50% EasiRewards Unlock
14%
5x
5 On-Time Repayments
Building Trust Tier
13%
8x
8 On-Time Repayments
Trusted Borrower Status
12%
12+
Premier Loyalty Tier
100% EasiRewards Access + Lowest Rate Guaranteed
11%
Offline Inclusive Access

No Smartphone or Data?
Dial *9995#

EasiBucks is engineered for every worker in Eswatini. Access advances, manage your pro-rata EasiRewards rebate, or request support on any feature phone or smartphone without internet connection.

Works on MTN Eswatini & Eswatini Mobile networks
SMS shortcode 9995 for instant balances
Instant PIN security and local SiSwati language prompt
MTN / eMali *9995#
EasiBucks Menu (*9995#):
1. Request EasiLoan
2. EasiRewards & Pro-Rata
3. Early Settlement Option
4. Loyalty Rate Status
5. Contact Miki Support
Cancel (0) Send (#)

Borrowers Who Built Better

Real stories from formally employed Emaswati who chose EasiBucks over loan sharks.

TD
Thandiwe D.
Textile Worker, Matsapha

I borrowed E1,500 to fix my taxi. EasiBucks took the money from my salary on payday. No stress, no drama. The loan shark wanted E3,000 back.

3x On-Time
SM
Sipho M.
Government, Mbabane

Three on-time repayments dropped my rate from 15% to 14%. The EasiRewards cushion saved me when school fees came early. This is how lending should work.

NK
Nomsa K.
Retail, Manzini

I dialled *9995# on my old Nokia and applied for E500. Money was in my account the next day. No smartphone needed. No forms. No waiting.

FSRA
Licensed
24h
Payout
11%
Lowest Rate
0
Hidden Fees

Capital Solutions & Partner Network

Institutional capital structures and community partner opportunities across Eswatini.

EasiInvest
12 - 15% p.a.
Retail P2P Pools

Pooled capital backing payroll-deduction loans with fixed contractual annual returns.

EasiBond
6 - 18 Mos
Angel Debentures

Debenture notes for high-net-worth mentors scaling the loan book without equity dilution.

EasiCapital
Revolving
Corporate Liquidity

Corporates pre-fund a dedicated lending pool exclusively for their workforce, fully managed by EasiBucks.

Partner Program
E 500 + 0.5%
Referral Commissions

Earn E500 per employer onboarded plus 0.5% ongoing monthly loan volume commission.