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Welcome to APTL Microcredit

Your first choice loan services.

Contact Us

About Us

We are a leading financial company dedicated to providing reliable loan services tailored to your needs. Our mission is to help individuals and businesses achieve their goals with flexible, transparent, and supportive financial solutions.

10+

Years Experience

5,000+

Clients Served

95%

Approval Rate

24h

Quick Processing

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Loan Services

PayRoll Loans

Flexible personal loans with competitive rates and fast approval to meet your unique needs.

Business Loans

Empowering businesses with tailored loan solutions for growth, expansion, and success.

Guarantee Loans

Expert financial advice and support to help you make informed decisions about your future.

Our Core Values & Mission

Guiding Principles That Define Us

Our Mission

To be the leader in micro lending industry providing reliable and easily accessed loans in Malawi and beyond. To build a business that will become one of the leading microfinance banks in Malawi.

Our Vision

To build reliable partnerships with individuals, small businesses and corporate clients in Malawi. To provide better service and be regarded as the best in Malawi. To convert this microfinance into a deposit-taking bank within 2 years and a conventional bank within 6 years.

Our Core Values

Professionalism

Highest standards in all dealings

Integrity

Honest and transparent operations

Innovation

Creative financial solutions

Care

For our clients and community

Financial services background

Why Choose Us?

Discover What Makes Us Different

Affordable and Fair Credit

We provide access to affordable, fair and safe credit for essential household items, working capital at low interest rates without creating additional financial hardship.

Responsibilities to Clients

We provide a more just and equitable society for people living on low incomes through a process that enhances the dignity and respect of the individual whilst helping them gain financial control and empowerment.

Get in Touch

Have questions or need assistance? Our team is ready to help you with personalized financial solutions.

Trusted By Industry Leaders

Collaborating with Malawis most respected organizations

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