Payday advances, E 200 – E 3,000
Short-term salary-deducted advances for formally employed workers. 15% flat monthly interest, 30-day term, paid out within 24 hours of approval.
Range
E 200 – E 3,000
Rate
15% flat / mo
Term
30 days
Payout
24 hrs of approval
Earn cash back for good behaviour
Pay early, earn 10% of interest paid back as cash rewards. Instantly credited to your EasiRewards wallet. Redeem at 10+ partner merchants or convert to cash.
Earn rate
10% of interest
Conversion
E 100 → E 10 cash
Merchants
10 partners
Expiry
Never
A year-end bonus you build yourself
Auto-save a small amount each payday via salary deduction. We match 5% at year-end. Builds a disciplined savings habit without thinking.
Match
5% year-end
Min/mo
E 50
Vesting
12 months
Withdrawal
Year-end only
Fractional ownership of loan portfolios
Buy tokens representing a slice of a diversified EasiBucks loan pool. Earn proportional interest (15-18% APY). Trade on the secondary market. E 50 minimum entry.
Min entry
E 50 / token
APY
15-18%
Term
1-6 months
Liquidity
Secondary market
Pooled investing, salary-secured
12-employer-verified stokvel groups pool their borrowing power into a 6-month bond. Higher yield (18% APY), lower risk via group collateral. E 50/token minimum.
APY
18%
Term
6 months
Min buy-in
E 50 / token
Group size
12 members
The tier ladder.
Your credit profile score unlocks higher loan amounts at lower rates. Climb the ladder by paying on time — every early repayment earns EasiRewards + a profile boost.
E 200 – 500
18% flat / mo
Score ≥ 0
E 500 – 1000
16% flat / mo
Score ≥ 40
E 1000 – 1500
15% flat / mo
Score ≥ 55
E 1500 – 2500
14% flat / mo
Score ≥ 70
E 2500 – 3000
13% flat / mo
Score ≥ 85
All calculators
Crunch the numbers before you borrow.
Every EasiBucks calculator in one place — pro-rata refunds, side-by-side bank comparisons, employer eligibility, credit profile, EasiRewards projections, investment ROI and a suitability quiz to point you at the right product.
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
Compare with a bank
We are explicitly not a bank.
Different tools for different needs. Here's the honest side-by-side — including where the bank is the right answer.
Choose EasiBucks when
You need E 200–E 3,000 within 24 hours of approval for an emergency or essential expense, you're formally employed, and you want EasiRewards + no debt collectors.
Choose the bank when
You need E 5,000+ for a major purchase, you can wait 1–2 weeks for approval, and you can comfortably repay over 6+ months.
Loan calculator with calendar timeline
See the full 37-day journey.
One loan. One repayment. Zero surprises. Drag the slider to see exactly when money moves — disbursement, rewards, payroll, cooling-off.
E 1 000
Range: E 200 – E 3,000 · 15% flat monthly
No rollovers. No compound interest. No hidden fees.
Day 0 · Disbursement
30 Oct 2026Funds in your account within 24 hours of approval. Loan amount + reward terms locked.
Day 1 · Repayment window opens
31 Oct 2026From today you can repay any time before Day 30 — and earn EasiRewards for paying early.
Pay 7 days early → earn E 35 instantly. Credit profile +14%.
Day 30 · Repayment deadline (payroll)
29 Nov 2026Salary deduction settles the loan. Pay before this date to earn cash rewards — credited instantly.
E 1 200 deducted from salary.
Day 31 · Cooling-off starts
30 Nov 20267-day cooling-off period begins — no new loans yet.
Day 37 · Cooling-off ends
06 Dec 2026You can apply for your next loan if needed. Credit profile recovers 1%/month from here.
Employer eligibility
Is my employer on the list?
We onboard formally-registered employers with payroll systems. Search below — if your employer isn't listed yet, we'll onboard them in the WhatsApp chat.
Risk disclosure · Suitability quiz
Is a payday advance right for you?
We don't lend to everyone. This short quiz helps you (and us) decide whether an EasiBucks loan is suitable for your situation right now. Honest answers help us say no when we should.
How stable is your monthly income right now?
How much short-term debt do you currently have (excluding mortgage)?
After essentials, how much of your salary could go to repayment without strain?
What's the purpose of this loan?
Have you considered alternatives (employer salary advance, stokvel, family)?
EasiRewards goal setter
Set a rewards goal. We'll show you the path.
Ten percent of every loan auto-builds your EasiRewards. Tell us your goal — we'll back-calculate how many loans at what size gets you there. No willpower required.
Per loan
E 100
into EasiRewards
Loans needed
20
over 2 mo
Loans / month
~10
to stay on track
By December
✓
E 2 000 projected
How it works: Each time you take an EasiLoan, E 100 of your loan is diverted to EasiRewards before disbursement. You don't see it, you don't touch it — and you can withdraw 50% after loan 3, 100% after loan 6.
Reminder: 7-day cooling-off between loans means 20 loans takes at least 5 months — plan accordingly.
EasiRewards earn calculator
Pay early. Earn cash. Instantly.
EasiRewards turns good behavior into instant gratification. Repay before your deadline and the time saved converts to cash — credited to your wallet in seconds, with an alert sent to your WhatsApp. Your credit profile climbs. Bad behavior hurts it.
10 days early. You earn cash rewards + credit profile boost.
Cash reward credited instantly
E 50
10 days early on a E 1 000 loan earns 0.5% per day back
Standard cost
E 200
Actual cost
E 150
Credit profile change
+20%Higher profile = higher loan limits + lower rates. Lower profile = capped limits until you rebuild.
Alert sent to your WhatsApp + SMS
“You earned E 50 EasiRewards for paying 10 days early. Wallet balance: E ___”
Reward table — E 1 000 loan
Credit profile meter
Your behaviour builds your profile.
Every loan, every repayment, every EasiReward you earn — feeds your credit profile. Higher profile unlocks higher loan limits and lower rates. Lower profile caps you. The meter is visible in every account view, in real time.
Current score
68
Gold tierGold tier perks
Loan limit
E 2,500
Rate
14% flat
12 points to Platinum
Unlock loan limit E 3,000 · rate 13% flat
Repay early
+2% / day earlyMax +20% per loan. Cash rewards also credited.
Repay on time
+0%No change. Stability is its own reward.
Repay late
-10% / day lateMax -40% per loan. Loan limit caps until you rebuild.
Refer a friend / employer
+5% / conversionBorrower or partner referral — capped at +20%/quarter.
Default / complaint upheld
-25% / eventProfile recovers 1%/month after remediation.
Recent activity
The tier ladder
Starter
0–19
E 200 · 18% flat
Bronze
20–39
E 800 · 16% flat
Silver
40–59
E 1,500 · 15% flat
Gold
60–79
E 2,500 · 14% flat
Platinum
80–100
E 3,000 · 13% flat
Investment ROI calculator
What would your money earn?
Pick an instrument, set your amount and holding period. Compare against a typical Eswatini bank fixed deposit. Numbers are illustrative — full detail in the Investor Pack PDF.
Retail & diaspora peer-to-peer investment pool. Withdraw 50% after 6 months, 100% at maturity.
Principal
E 5 000
Contracted return
E 550
Maturity value (12 months)
E 5 550
vs Eswatini bank fixed deposit (4.5%)
Capital protection: EasiBond/EasiInvest are unsecured. EasiYield is senior-secured with custodial escrow. EasiCapital is ring-fenced to your own workforce. Read the Risk & Capital Structure section for full disclosure.
The full EasiBucks family
One trusted brand. More ways to grow.
The full EasiBucks family
One trusted brand. More ways to grow.
Fair credit, built-in rewards, employer partnerships and four investor instruments — all anchored on the same salary-deduction loan book.
E 200–3,000 · 24 hrs of approval
Instant rewards · credit profile
World-first · escrow trust
E 0 cost · zero risk
E 500 + 0.5%
SZL 150k–500k · 6–18 mo
SZL 250k–750k
SZL 300k–1M
SZL 100k–400k · 12–15% p.a.
Capital at risk on investor products (EasiBond, EasiCapital, EasiYield, EasiInvest). Returns are targets, not guarantees. Subject to FSRA fit-and-proper guidelines and national micro-lending regulation.
