EasiBucks is Eswatini's FSRA-licensed payday lender for formally employed workers. We offer loans of E 200 to E 3,000 with a flat 15% monthly interest rate, no rollovers, and salary-deduction repayment.

How fast can I get a loan?

Money is in your account within 24 hours of approval. Applications submitted via WhatsApp are typically pre-approved in under 4 hours during business hours.

What are the four house rules?

01 No hidden fees. 02 No rollovers (30 days is 30 days). 03 No debt collectors. 04 We make you earn rewards. Every loan we write lives by them.

Pay early, earn cash rewards — instantly credited to your EasiRewards wallet. Earn 10% of interest paid back as cash. Convert at any of 10 partner merchants or ATMs. E 100 rewards = E 10 cash.

Tap the 'Apply on WhatsApp' button on the homepage. The 3-step wizard asks for your loan amount, employer name, and mobile number — then sends a pre-filled WhatsApp message to our team.

Is EasiBucks licensed?

Yes — EasiBucks is licensed by the Financial Services Regulatory Authority (FSRA) of Eswatini. Our license has been renewed annually since 2022.

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Thirteenth Cheque · Staff benefit

Fund your own festive bonus.

Employers set up automatic salary deduction; we add a 5% year-end match. Staff land December with a “13th cheque” — funded mostly by themselves, toppedldquo;13th cheque“13th cheque” — funded mostly by themselves, toppedrdquo; — funded mostly by their own payroll deductions, topped up by your 5% match. Payout is conditional on payroll running and the employer staying on the scheme. A retention tool that pays for itself.

Flagship · CSR ecosystem

Staff who fund their own festive bonus.

Our proprietary 13th Cheque Circular Benefit shares a structured portion of the interest generated by your workforce's borrowing straight back into a ring-fenced year-end bonus pool — turning routine lending into a visible employee reward.

“A fintech loop with a conscience.”

Let's design it

Illustrative model

250-employer anchor · 80 active borrowers × 2 cycles / year

Enterprise yield

SZL 104,000

Rebate share (~33%)

SZL 34,320

Bonus pool

Ring-fenced

Default risk

Shielded

Rebate held in a co-managed escrow trust account
Paid out at year-end, ERS / PAYE reconciled
Shield Clause absorbs defaults from the pool first

Trusted by Eswatini's best.

From telecoms to banking to government — we've built EasiBucks to work with the services you already use every day.

Logos indicate services EasiBucks integrates with for disbursement, repayment, and customer verification — they are not formal endorsements. EasiBucks is an independent FSRA-registered micro-lender.

Fund your own festive bonus.

Trusted by Eswatini's best.

From telecoms to banking to government — we've built EasiBucks to work with the services you already use every day.