Personal Loans

SwaziBank offers

SwaziBank offers customers several options for their personal loan needs

Ludvondvolo and Khululeka

To qualify you must
Be employed on permanent and pensionable conditions.

  • Have your salary paid through your SwaziBank account.
  • Be below 64 years old

Product Features

  • Age- change to 60
  • Amount- Change to E200 000
  • Target savings - change to 0.5%
  • Repayment period - 48 months

Umliba Educational Loan Solely for the payment of school fees.

  • Repayment period is fixed at 11 months.
  • Maximum loan granted is E100,000 over 12 months

Personal Loan

Granted to customers with Fixed Savings Accounts in the bank.

  • Borrow up to 80% of balance in the fixed account.
  • The maximum repayment period is three years.
  • Birth certificate and passport sized picture required.


  • Current Salary advice slip
  • Confirmation letter from employer
  • Certified copy of national ID and birth certificate
  • Passport size photo
  • Repayment should fall within the statutory 33.3% of gross salary/income