National Finance

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FREQUENTLY ASKED QUESTIONS

Frequently Asked Questions

We aim to empower you with financial knowledge and guidance to make informed decisions on your loan applications.

Visit any of our branches or agent located near you. Refer to short link to Branch locations on website.

Call or visit any our branches near you for a qualified sales officer assist you. Short link to branch locations on website.

Yes. Call or visit any our branches near you for a qualified sales officer assist you. Short link to branch locations on website.

Visit our Loan Types page.

Visit any of our branches or agent located near you. Refer to short link to Branch locations on website.

You can apply for a Consolidation loan.

Short Link to our branch locations.

48 hours if all supporting documents and completed loan application is provided.

No

Applying for a personal loan in PNG is simple with National Finance. Just complete our quick online application form, upload your ID and income documents, and select the loan amount you need. Our team will verify your details, assess your application, and provide same-day feedback. You can also visit one of our branches if you prefer in-person support.

Ready to get started? Apply now with National Finance.
You can easily check your eligibility by reviewing our basic requirements valid ID, proof of income, and current employment details. Most applicants over 18 with a stable income meet these criteria. For a quick self-check, use our personal loan calculator to estimate your repayments before applying. Ready to see if you qualify? Check your eligibility now using our loan calculator.
Using our personal loan calculator is simple. Just enter your preferred loan amount, repayment term, and income range, and it will instantly show your estimated weekly, fortnightly, or monthly repayments. This helps you understand what you can comfortably afford before submitting your application. Try the calculator now and see what you can afford.
Yes, you may still qualify for a personal loan even if you already have existing loans. National Finance will assess your income, repayment history, and overall financial capacity to ensure you can comfortably manage another loan. If you meet our affordability criteria, we can help you consolidate or top up your loan depending on your situation.
Personal loan approvals with National Finance are quick and straightforward. Once you submit your application and required documents, our team reviews your details and provides feedback often on the same day. Most applications receive same-day updates, and applying online helps speed up verification so you can access your funds sooner.
Applying for a top-up loan is simple. If you already have an existing loan with National Finance and have maintained a good repayment history, you can request a top-up by contacting our team or visiting your nearest branch. We’ll review your current loan, assess your updated income and affordability, and let you know how much additional funding you qualify for.
A Same Deduction Loan allows customers to apply for a top-up or consolidation loan using their existing repayment deduction. This means they can apply for additional or refinance loan without increasing their current loan deductions or impacting their take-home pay, as repayments continue at the same amount each pay cycle. The same deduction loan is hassle free and is convenient for you during stressful times.
A consolidation loan lets you combine multiple existing loans into one easy-to-manage repayment. Instead of juggling different lenders and due dates, you make one simple monthly payment to National Finance. This streamlines your finances, reduces stress, and helps you stay on top of your repayments with greater clarity and control.
Testimonials

Be one of our success stories

"National Finance granted me a School Fee loan that has enabled me to subsidize school fees and other much needed utilities for my children. I did not face any issues/delays during the application processing time and was truly satisfied with their service. Thank you National Finance for supporting my children’s education needs."

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Mathias Martin, Maintenance Supervisor, Port Moresby

"As a teacher in one of the remotest villages in the Rigo District of Central Province, obtaining financial services is a struggle. The geographical landscape almost makes it impossible to connect with the nearest station and town. National Finance with it’s office on wheels brought their financial services to our doorstep in December 2023. Their mobile lending services allowed me to apply for a loan to assist with my holiday expenses."

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Lillian Kwalimu, Teacher, Rigo, Central Province

"Your service is excellent and always a convenient and fast processing to accessing funds urgently, unlike other financial institutions."

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Sefarana Tamara Bore, Senior Migration Officer, Port Moresby, NCD

"The loans officer helped me a lot and was very understanding of my situation. I wish more finance company would be like NF."

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Tony Namo Harakuwe – Auditor, Auditor, Goroka, Eastern Highlands Province

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