Welcome To 21st Financial Solutions

Apply For A Salary‑Deduction Loan From Your Phone

We are a loan agent. Choose a licensed lender, apply on the 21st Loans app and repay through your salary.

Licensed Lender
Partners
100% Digital
Application
Repay Through
Your Salary

Who We Help

People with a regular salary.

See How It Works

Civil Servants

Apply on the 21st Loans app. Repayments come out of your salary.

Private Sector Employees

Apply through 21st at Work when your employer partners with us.

Employers

Offer your staff salary-deduction loans through 21st at Work.

Our Promise

We make applying simple.

  • See your instalment before you apply
  • Apply from your phone, no paper forms
  • Help from our team when you need it
About Us

A Loan Agent, Not A Lender

21st Financial Solutions helps working people apply for salary-deduction loans. Licensed lenders assess, approve and pay out. We make applying simple.

Loans come from our lender partners. Approval, rates and fees are decided by the lender.

Talk To Us
What We Do

Apply Your Way

Use the app, or let us bring applications to your workplace.

The 21st Loans App

For civil servants. Choose a lender, apply and sign your stop order on your phone.

  • No paper forms
  • Upload documents from your phone
  • Track your application

Our Lender Partners

Loans are provided by InnBucks MicroBank Limited and HomeLink Finance (Private) Limited.

  • The lender assesses and approves
  • The lender sets rates and fees
  • The lender pays out your loan
How It Works

Apply In Three Simple Steps

  1. 01

    Choose

    Pick your lender and see your instalment on its calculator.

  2. 02

    Apply And Sign

    Have your national ID, latest payslip and proof of residence ready. Enter your details and sign your stop order on your phone.

  3. 03

    Lender Decides

    Your lender reviews your application and pays out if approved. Repayments are deducted from your salary.

Our Lender Partners

Loans From Licensed Lenders

Your loan is provided by one of our licensed lender partners. They assess, approve and pay out. We help you apply.

InnBucks MicroBank Limited

Licensed lender partner

HomeLink Finance (Private) Limited

Licensed lender partner

The 21st Loans App

Your Application, In Your Pocket

Everything you need to apply, without queues or paper forms.

  • Apply In Minutes

    Fill in your details and upload your documents from your phone.

  • Sign On Your Phone

    Sign your stop order in the app. No printing.

  • Track Your Application

    See your status and get messages in the app when it changes.

  • Safe & Secure

    Secure PIN login. Your data is encrypted and used only for your application.

Contact Us

Let's Talk

Download the app to apply, or get in touch. Employers: ask us about 21st at Work.

Request A Call Back

Opens your email app with your details filled in.