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U-NID Finance

Our Loan Services

U-NID Finance Limited has provided tailored financial solutions to help clients improve their financial position. Registered with PNG Investment Promotion Authority, we offer reliable and dependable lending services.

Flexible Financial Solutions for Your Needs

At U-NID Finance Limited, we understand that each client has unique financial requirements. Our service-oriented approach allows us to provide truly independent advice with our clients' best interests as our top priority.

No Obligation

We offer a 100% no-obligation service, allowing you to explore your options without pressure.

Flexible Appointments

We arrange appointments at a time and place that suits you, making the process convenient.

Save Time & Money

Our efficient service helps you save both time and money with expert financial guidance.

Our Loan Products

Personal Loans

Our personal loans provide flexible financing solutions to meet your immediate needs. Whether you need funds for education, home improvements, or unexpected expenses, we offer competitive rates and flexible repayment terms.

Features & Benefits

  • Fortnightly repayment options from 5 to 52 fortnights
  • Transparent fee structure with no hidden charges
  • Quick approval process with minimal documentation
  • Flexible loan amounts to suit your financial needs

Application Process

  1. Complete our simple loan application form
  2. Provide basic identification and income verification
  3. Receive your loan offer with transparent terms
  4. Accept the offer and receive funds quickly

Example Loan

Loan Amount: K5,000
Term: 52 Fortnights
Fortnightly Payment: K194.71

This is just an example. Use our loan calculator for personalized estimates.

Emergency Loans

When unexpected expenses arise, our emergency loans provide quick access to funds when you need them most. With a streamlined application process, we can help you address urgent financial needs promptly.

Features & Benefits

  • Expedited approval process for urgent needs
  • Fortnightly repayment options from (5-52 fortnights)
  • 2-3 hours funding available for approved applications
  • Minimal documentation required to speed up the process

Common Uses

  • Medical emergencies and unexpected healthcare costs
  • Urgent home or vehicle repairs
  • Unexpected travel expenses for family emergencies
  • Bridging temporary financial gaps

Example Loan

Loan Amount: K1,000
Term: 52 Fortnights
Fortnightly Payment: K38.94

This is just an example. Use our loan calculator for personalized estimates.

Debt Consolidation Loans

Simplify your finances by consolidating multiple debts into a single, manageable loan. Our debt consolidation loans can help reduce your monthly payments and provide a clear path to becoming debt-free.

Features & Benefits

  • Combine multiple debts into one simple payment
  • Potentially lower your overall interest rate
  • Longer repayment terms available (up to 52 fortnights)
  • Structured repayment plan to help you become debt-free

How It Works

  1. Schedule a consultation with our financial advisors
  2. Provide details of your existing debts and financial situation
  3. Receive a personalized consolidation plan
  4. Upon approval, we pay off your existing debts
  5. You make a single fortnightly repayment to U-NID Finance

Example Loan

Loan Amount: K10,000
Term: 52 Fortnights
Fortnightly Payment: K389.42

This is just an example. Use our loan calculator for personalized estimates.

Our Interest Rates

At U-NID Finance, we believe in transparency. Our rates are competitive and designed to meet your financial needs.

Rates are subject to change. Please contact us for the most current information.

Use Our Loan Calculator

Our Simple Application Process

1

Apply

Complete our simple application form online or visit our office. We'll need basic information about your identity, income, and the loan amount you're seeking.

2

Verify

Our team will review your application and may request supporting documentation. We work quickly to verify your information and assess your application.

3

Approve

Upon approval, we'll present you with a transparent loan offer detailing the amount, term, interest rate, and repayment schedule. You can review all terms before accepting.

4

Receive Funds

After accepting your loan offer, funds will be disbursed quickly. Depending on your loan type, you can receive funds the same day or within 2-3 hours.

Ready to get started? Contact us today to begin your application.

Contact Us

Eligibility Requirements

To qualify for a loan from U-NID Finance Limited, you'll need to meet the following basic requirements:

Identification

  • NID or Valid employment or government-issued ID
  • Confirmation letter from Employer

Income

  • Proof of steady income (pay slips)
  • Pay Variation Advise(PVA)
  • Data Input Form (From Alesco)

General Requirements

  • Must be at least 18 years of age
  • Must be a resident of Papua New Guinea
  • Must have an active bank account

Additional Documentation

  • Completed loan application form
  • Pay Variation Advise(PVA)

Meeting these requirements doesn't guarantee loan approval. Each application is assessed individually based on our lending criteria.

Frequently Asked Questions

How quickly can I receive my loan funds?

For emergency loans, funds can be disbursed on the same day of approval. For standard personal loans and debt consolidation, funds are typically available within 2-3 hours after approval.

Are there any penalties for early repayment?

No, U-NID Finance Limited does not charge penalties for early loan repayment. You're welcome to pay off your loan ahead of schedule without incurring additional fees.

What happens if I miss a payment?

Late payments may incur additional fees and could affect your ability to obtain loans in the future. We encourage you to contact us immediately if you anticipate difficulty making a payment so we can discuss potential solutions.

Can I apply for multiple loans simultaneously?

We generally recommend focusing on one loan at a time. However, each situation is unique. Contact our team to discuss your specific financial needs and we can provide personalized guidance.

Do I need to provide collateral for my loan?

Our personal loans are typically unsecured, meaning they don't require collateral. However, for larger loan amounts, we may request some form of security to mitigate risk.

Have more questions? We're here to help!

Contact Our Team

Ready to Get Started?

U-NID Finance Limited has helped clients improve their financial position with our flexible loan solutions and dedicated service.