The Gambia

Loans

  • The Gambia
  • Personal Banking
  • Loans

At Vista Bank, we recognise that maintaining cash-flow is not always straightforward. That is why we offer our established customers access to a range of short term loan and overdraft facilities:

  • Personal and Salary Loans

    Who is it for?

    Loans are available to meet the needs of customers with unexpected expenses, to make a major purchase or investment, or just to resolve a domestic need.

    What you'll need:

    Completed/signed form including:

    • Amount requested
    • Purpose of loan
    • Duration of loan
    • Guarantor information
    • Domiciliation from employer
  • Personal Overdrafts

    Who is it for?

    For customers looking for extra flexibility when the need arises. Funding is provided on the basis of income for a period not exceeding one year.

    What you'll need:

    • Copy of TIN certificate
    • Purpose of the overdraft facility
    • Cash flow projections to cover proposed repayment period
    • Management profile
    • Company profile
    • Audited financial statements (where necessary)
    • Market information indicating main suppliers, client product lines and competitors

    Features and benefits:

    • Applicable interest rate
    • A negotiation fee
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