First Capital Bank Personal Loans

Designed specifically for formally employed individuals including employees of the government sector,  Landlords, Councils, Tribal Admin (Dikgosana) and Pensioners from selected funds.  Apply for a personal loan to help you get where you’re going- whether you want to make a major purchase, finance a wedding and/or for any other personal project.

Loan Features

✅Maximum loan amount of P500 000

✅Maximum term of 84 months.

✅Deducted through payroll or scheme arrangements

✅Can consolidate loans from other financial institutions.

✅Application appraised within 2 working days from document submission


✅Citizen of Botswana.

✅Salaried employees in the public sector, including Landlords, Councils, Tribal Admin (Dikgosana) and Pensioners from selected funds.

✅Minimum age of 18 years

✅Maximum age of 60 years of age those in the public sector.

✅Maximum age of 75 years For Dikgosana and Pensioners.

✅Employed for a minimum period of at least 6 months.

✅Without a pending disciplinary action.


✅Identity proof (Omang)

✅Confirmation of Employment letter which contains the clients physical and postal address.

✅Bank statement for the previous 3 months

✅Latest Original salary slips

✅Settlement letters for any loans to be cleared.


Apply for a loan from 5 First Capital Bank Loan centers located nationwide (Gaborone Main Mall, Francistown, Palapye, Mochudi and Kanye) or by contacting a Direct Sales Agent in your area.

Click here to view our fees and charges   Tariff Guide




Fill in your details below and a First Capital Bank representative will contact you with further details.