Our loan offering is for Government employees who receive their salaries through SSB (Terms and Conditions apply)

Great news is that you do not need to have a First Capital Bank Limited account to apply. Non-Account holders may access the loans.

Customers may access a loan from as low as USD50 up to a maximum of USD2000 USD. Depending on your affordability and desired tenor your loan can range from 3 months to 18 months.

You can expect to receive your loan proceeds in 48hrs subject to whether additional information is requested from you for assessment.

• Identification Document (National ID, Valid passport, and Driver’s License)

• Latest pay slip or within 3 months

• Passport sized photo (non-account holder)

• Proof of residence or Letter of Employment

• Any other requested information

Loan proceeds will be disbursed to your salary account. These are the details that the loan applicant will provide.

You will receive an SMS notification once your loan application is successful. This will give details of when your first installment is due.

First Capital Bank Limited uses the payroll deduction system, meaning we will deduct your loan installment from your salary at source based on existing arrangements with respective employers. However, should your loan not deduct please make payment at our nearest branch to ensure your loan does not fall into arrears.

There is a Credit Life Insurance that covers the applicant for death and permanent disability. This comes with our loan offering. In the event of death your Credit Life Insurance cover will pay off the outstanding balance on your loan. Over and above that a lump sum funeral benefit of 300 USD will be paid. The benefit is only payable at the death of the borrower subject to the terms and conditions of the Master Policy and the following terms and conditions: :

a. A beneficiary, not younger than 18 years to whom the benefit shall be paid, should be nominated at inception stage.

b. The funeral benefit can only be paid by Electronic Funds Transfer to the bank account nominated.

c. In the event of a claim the following supporting documents must be provided:

• Certified death certificate of the Insured person

• Certified copy of the Identify document of the Nominated Beneficiary

• Proof of physical address of the Nominated Beneficiary (e.9., Utility Bill, Affidavit)

NB: It is important to note Credit Life does not cover acts of suicide as such the bank can claim from the deceased estate.

If you are dissatisfied with the service that you receive from First Capital Bank, please note that you can raise your complaint through any of our branches or service centers in person, or by telephone, email, letter, our social media platforms or complete a complaints leaflet which you can obtain from any of our branches. You also have the right to escalate the matter to the regulator or any of the dispute resolution avenues if you are not happy with the resolution. We also welcome compliments through the same channels when you are happy.

Our channels are as follows;

Contact Details Phone: +263 8677 007335 or 263758280-9

24-hour Contact Centre Econet toll free-08080093-6 Contact Centre other numbers where normal charges apply:

+263 8677 007336

+263 242 250579

+263 772 192865

+263 772 192868

+263 772 192869

+263 772 192872

+263 772 192874

First Capital Bank Email: customer-service@firstcapitalbank.co.zw Social media:Click on the links below to contact us.