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Loans built around what you can afford
Every Raccoons loan is priced transparently and capped within NAMFISA limits — finance charges never exceed 30% of the amount borrowed, and terms run up to five months.
Payday & short-term
Bridge an unexpected cost — medical, school fees or an emergency — repaid over one to five months, no collateral needed.
- No hidden fees — costs shown upfront
- Affordability assessed before any offer
- Settle early with no penalty
- Repay over up to five months
Term1–5 months
CollateralNone
Business & SME
Working capital and growth funding for Namibian small businesses, with terms shaped around your cash flow.
- No hidden fees — costs shown upfront
- Affordability assessed before any offer
- Settle early with no penalty
- Repay over up to five months
TermUp to 5 months
CollateralOptional
Collateral-backed
Larger, secured amounts backed by an asset such as a vehicle or property.
- No hidden fees — costs shown upfront
- Affordability assessed before any offer
- Settle early with no penalty
- Repay over up to five months
TermUp to 5 months
CollateralRequired
What you will need to apply
- A recent pay slip, showing consistent income.
- A certified copy of the applicant's ID or passport.
- Bank statements from the last 3 months.