Sierra Leone
Gambia
Guinea
Vista Burkina
Mozambique
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:
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Personal Loans
Who is it for?
Loans are available to meet the needs of our customers with unexpected expenses in order to make a major purchase or investment or just to solve a domestic need. The loan repayment period is usually 12 months.
What you'll need:
- Domiciliation of personal current account with the bank
- Duly filled out request form indicating:
- Amount requested
- Purpose of loan
- Duration of loan
- Guarantor information
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Personal Overdrafts
Who is it for?
This service allows for additional flexibility when the need arises. Funding is provided to customers on the basis of their receivables for a period of time not exceeding a year.
What you'll need:
- Domiciliation of personal current account with the bank
- Duly filled out request form indicating;
- Amount requested
- Purpose of loan
- Duration of loan
- Tangible collateral
Features and benefits:
- Debit Interest charges on the overdrawn amount.
- Management fee of 2% upfront
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Salary Loan Scheme
This facility is available to all customers whose monthly salaries are domiciled with the bank. It allows customers to enjoy a certain amount of their annual salary as a loan which is repayable over a period of time.
Features and benefits:
- Must operate a current account for a minimum of three (3) months
- Customer(s) salary and other emolument must be domiciled in the account with the bank
- A letter requesting the facility
- A letter of Undertaking from the customer’s employer
- An irrevocable commitment letter from the customer
- Customer should provide an appointment letter from his employer