About Dial-a-Bag
Short-term credit, done honestly
We help working Namibians cover the gap to payday — with every cost shown upfront and a loan sized to what they can repay.
Our mission
Responsible, transparent short-term credit
Most people who need a payday loan aren't in trouble. A car needs fixing, a school fee is due or a medical bill arrives a week before salary. They need a fair, fast answer and a clear price — not a contract full of fees they only discover later.
Dial-a-Bag Financial Solutions was set up to be that answer. We charge one 26% once-off interest, plus small government charges set by law. No initiation fee, no service fee, no penalty for settling early. And we would rather lend you less than lend you too much.
How we lend responsibly
Four promises we keep on every loan
They are written into how we work, not added as an afterthought.
Affordability first
Your instalment can't exceed the lesser of half your discretionary income or one-third of your gross salary.
Every cost upfront
A plain pre-agreement statement shows each charge and instalment before you commit to anything.
Fair collections
Debit order on payday. If you fall behind: 28 days' notice before any credit bureau report, and written notice before legal action.
Your ID, card and PIN stay yours
We never keep your ID document, bank card or PIN — a common practice we refuse to follow.
Who we are
Local and accountable
Dial-a-Bag Financial Solutions is a Windhoek lender serving working Namibians. When you borrow, your agreement is with Dial-a-Bag Financial Solutions (Pty) Ltd, and our registration details appear on every document we send you.
You can confirm any lender's registration with NAMFISA before you borrow. We encourage it.
Registration
Registration pending- Lender
- Dial-a-Bag Financial Solutions (Pty) Ltd
- Company reg. no. (BIPA)
- [REG. NO.]
- NAMFISA microlender no.
- [NAMFISA NO.]
- Based in
- Windhoek, Namibia