For your convenience, there are FNB ATMs available at the following locations:
FNB Lesotho Limited branches can be found at the following locations:
Pioneer Branch
Shop UG33
Pioneer Mall
Corner Mpilo and Pioneer Rd
Maseru
ATM Type: ADT
Maputsoe Branch
Crystal Packers Building
Sir Seretse Khama Road
Maputsoe
Lesotho
350
ATM Type: ADT
Kingsway Branch
Star Lion Building
Corner Kingsway and Parliament Road
Maseru
Lesotho
100
ATM Type: ADT
Butha-Buthe Branch
Shop 2 and 3
Muslim Congregation Building
Sechele Street
Butha-Buthe
Lesotho
ATM Type: ADT
Mafeteng Branch
High-way Complex Building
Corner Mafeteng Hotel Road
Plot 06472-518
ATM Type: ADT
TY Branch
Moshoeshoe Road
Teyateyaneng
Berea
ATM Type: ADT
Hlotse Branch
Shop No. B1 & B2
Nolans Complex
Lisemeng 1
Main Road
Hlotse Lesotho
ATM Type: ADT
Deposit and withdraw cash conveniently at any FNB Cash Plus agent listed below instead of queuing at branches or ATMs. All you need is an FNB account and be registered for Cellphone Banking. Additional Cash Plus services include airtime and electricity purchases.
Sime Communication
Pitso Ground
The Style Hub
Lndc Building
Advance Locksmith
Pioneer Mall
Bright Light
Qoaling Ha Machabachaba
Tumy General
Qoaling Ha Machabachaba
Zeecom Mobile and Computers
Victoria Hotel Building
Mago Enterprise
Khubetsoana Opposite Nutri Foods
Bochabela General Cafe
Bochabela Khubetsoana
Pioneer Auto Service
Pioneer Garage
KT Business Solution
Masianokeng
The Ultimate Public
Bar Ha Pita
Sima Communications
Pitso Ground
Calabash Catering
Mookoli
Calabash Offsales
Mookoli
Phalima Offsales
Ha Tsolo
Modise Logistics
Ha modise
Dion
Borokhoaneng
Falimehang General Cafe
Ha Lesia
One Price Enterprise
Cathedral Area
Lehloa Petroleum
Thetsane Garage
Bafokeng Filling Station
Ha Matala Garage
IFQ
Pioneer Mall
Seal Technology
Ha Thetsane
Golden Pot Catering
Ha Mokhothu
Kome Careting
Next to TY Branch
Ha Seotsanyana
Hlotse Filling Station
Alli Saab Filling Station
Hlotse Filling Station
Nortern Giants
Maputsoe Filling Station
Fin General Cafe
Peka
Hongcai Shopper
Next to Maputsoe Branch
London Take Away
Pitseng
Ha Seotsanyane
Ha Nyenye Filling Station
Machabeng General Cafe
Matukeng
Baba Enterprise
Opposite Cash Build
Maqdum Enterprises
Old Bus Stop
Shoppers Rite Mini-Market
Marekeng
Real Tech
Excel Garage
Thabelo Enterprise
Near Mokhotlong Bus-Stop
Sima Communication
Mokhotlong
Khutlisi GeneralL
Makhoaba
Maluba-luba General
Mapolaneng
Bay Fruits and Veg
Mapolaneng
Ntja Mokoatle Trading
Ntja Mokoatle
808 Public Bar
Thaba Tseka
Mamosiane Catering
Ha Mme Mamosiane
JJ Brick Works
Mantsonyane
Nanabolela General Cafe
Mantsonyane
Rolling Wheel
Mphaki
Mitchell Trading
Quthing
Qacha's Nek Filling Station
Qacha's Nek Garage
Holy City
Oppoite Cash Build
Majantja Supermaket
Qalakheng
Lephola Farm
Next to the Old Bus Stop
Mult Distributors
Leboneng Opposite Build It
Khomari Transport
Smart Centre Building
Lerato General Cafe
Ha ntate Molise
It's always better to save up for something and pay cash, but we know that's not always possible.
There are two types of interest: interest earned (on savings and investments) and interest charged (on loans).
This type of interest is a way to grow your money and is a reward from the bank for saving your money with them. It's extra money you earn for saving your money with a bank or an investment/savings institution.
This is the type of interest charged by a credit provider to lend you money. It's the cost of credit and is usually calculated as a percentage of the amount that you borrow.
When interest is calculated on the original investment and interest earned, so you earn interest on your interest, helping your money grow quicker.
When interest is calculated on the original amount borrowed invested plus any interest charged in previous months or years so you are charged interest on your interest, meaning your debt grows over time.
Instalments refer to a set amount you pay for an item over an agreed period. Often, we are attracted by special offers and low monthly instalments that look like very good deals. But 'low' instalments can be deceiving.
It is important to look at the total cost you will pay by adding up the monthly instalments over the payment period. You may find you will pay way more than the cash price. Always check before agreeing to the instalments and where possible, save up and buy the item in cash.
Remember: Check if you are being charged for extras such as delivery, credit life insurance, etc. You have a choice not to take up insurance if you do not want it.
If you are planning to borrow money, there are lots of different places that you can borrow from including: banks, micro-lenders, shops and informal (unregistered lenders) such as loan sharks.
All these places offer different products and their terms and application requirements differ. The risk associated with each lender also differs, so think carefully before signing an agreement or contract.
Taking up credit is a big decision. Before you do, consider the following:
Obtain a quote from the credit provider. It should show how much you will be paying in total.
Find out if there are penalties or rewards for repaying the debt earlier.
Get a copy of the contract and read it at home before you sign.
Make sure you understand the terms of the agreement.
Find out what will happen if you are unable to make the loan repayments on time.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.
Your rights as it relates to credit is protected under the National Credit Act and the National Credit Regulator can assist customers to get help when their rights have been violated. If you have a concern or a problem about the way you have been treated in accessing credit, contact the NCR. Their telephone number is 0860 627 627 and their website address is www.nca.co.za
Physical address:
Plot 184 Ist Floor,
Tlale House Main Mall , Opposite BEDIA.
Postal address:
Office of the Banking Adjudicator
Private Bag 00404
Gaborone
Tel: (0267) 3935409
Fax: (0267)3935406
Email: bankadjud@info.bw
Website: www.banking-adjudicator.org.bw
Credit bureaux keep credit related information of all credit-active consumers, this information is compiled on a credit report or credit profile. Credit grantors submit payment information to the credit bureaux on how well you are repaying your loans. The information submitted is both positive and negative information. The purpose of a credit report is to allow credit grantors to determine if you are eligible for credit, by assessing the amount of credit you already have and also looking at how well you repay existing loans. It is a risk for companies to give you a loan, therefore they must ensure that you can repay it.
Call Centre on 0861 514 131
Online at www.mycreditcheck.co.za
Call Centre on 0861 105 665
Online at www.creditexpert.co.za
Plot 115 Unit 21 Kgale Mews, Gaborone, Botswana
Private Bag 305, Gaborone, Botswana
Email: vgaleromeloe@transunion.co.za
Web: http://www.transunion.co.za
Phone: 0267 390 3535
Fax: 0267 318 1124
Call Centre on 0860 937 000
Online at www.credit4life.co.za
The seller takes back the goods, as well as keeps the money you have already paid for the goods.
A judgement is a court order that forces you to repay your loans.
Depending on how big your debt is, the court can order that some of your property (such as furniture, a vehicle, etc.) can be repossessed.
The court will instruct your employer to pay a part of your wages or salary to the creditor as repayment of your debt.
You are over-indebted if you are failing to meet your debt repayments and constantly need to borrow to support your monthly expenses.
a) The first step is to write a list of all the people and businesses that you owe money to.
b) Contact your creditors and explain your situation.
c) When creditors write to you, take their letters seriously and respond.
d) Do not promise to make payments if you cannot afford them. Rather explain the situation and look at making smaller payments over a longer period.
e) Avoid taking more loans to pay the debt you already have
f) Change your lifestyle, cut down on things like entertainment, alcohol, cigarettes, gambling, etc.
g) If you drive an expensive car, consider downgrading to a more affordable car or sell your car and use public transport.
h) Avoid buying groceries on credit.
i) Consult a debt counsellor. Call the National Credit Regulator (0860 627 627) and they will refer you to a debt counsellor near you.
There is no shame is asking for help to manage your debt. It is better to get help than to drown in debt.
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