Cost of Credit
We believe you have the right to know exactly what you are paying. No surprises. No hidden fees.
Our Pricing Model
EasiBucks charges a flat 15% interest on all EasiLoan advances. This is a simple, non-compounding rate calculated on the principal amount borrowed. For example, borrowing E 1,000 means you repay E 1,150 total. No additional fees, no processing charges, no late fees if you communicate with us proactively.
What You Pay vs. What You Get
Of every loan, 5% of the principal is automatically saved to your EasiSave account. So borrowing E 2,000 means E 100 goes to your savings. Your net interest cost is effectively reduced. Additionally, employer-matched savings can double your EasiSave balance, further offsetting costs.
Comparison with Market Rates
Traditional informal lenders in Eswatini typically charge 20-50% monthly with compound interest, plus additional fees. EasiBucks offers 15% flat with no compounding, no fees, and built-in savings. Over a year, the difference can be thousands of Emalangeni. We publish this comparison because transparency is our competitive advantage.
Regulatory Price Caps
Our pricing is designed to comply with FSRA regulations and international best practices for micro-lending. We regularly review our rates to ensure they remain fair, competitive, and sustainable. If you have questions about our pricing, contact us via WhatsApp or email.