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  • FAQs

    How long do I repay my loan – minimum term and maximum?
    Minimum one (1) month and maximum sixty (60) months.
    Is the loan insured?
    All loans are immediately insured through Bayport’s Credit Life product.
    What happens if I pass away and I still have to pay back my loan?
    As soon as you take out a loan with Bayport your loan amount is immediately insured with our Credit Life product, which will take care of your loan when you can’t. If you are retrenched, disabled, pass away or get a dreaded disease like cancer, the money you still owe on your loan will be paid back to Bayport by the insurance company.However, please note that death by suicide within 12 months of taking out the loan is not covered by Credit Life insurance.
    What happens if I get retrenched?
    Again, Bayport’s Credit Life insurance product will take care of your loan when you can’t. When you take out a Bayport loan, you take out Credit Life Cover at the same time. If you are retrenched, disabled, pass away or get a dreaded disease like cancer, the money you still owe on your loan will be paid back to Bayport by the insurance company.
    How long does the loan process take to disburse?
    After receiving all documentations – 48hrs.
    Is there a penalty fee for an early settlement?
    Yes, there is a penalty fee of three (3) months interest.
    Should I be banking at a particular bank?
    No, you can bank at any of your choice.
    How many branches do you have?
    We have fourteen (14) branches currently, and are in the process of expanding and more branches will be opened in the near future.

    • Francistown
    • Gaborone
    • Gaborone Head Office
    • Ghanzi
    • Molepolole
    • Kanye
    • Kang
    • Lobatse
    • Maun
    • Mahalapye
    • Palapye
    • Phikwe
    • Serowe
    • Tshabong
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The Bayport Way

The key to Bayport’s past success, and the foundation on which our future stands, is an instinctive, conviction-based, principled and entrepreneurial approach to everything we do. This approach is reflected in our mission, vision, values and the nine philosophies we call “The Bayport Way”.

Why we exist: Our mission

Bayport’s mission is to provide financial solutions suited to the needs of an inclusive and broad customer base; embracing technology, product leadership and innovation and so becoming the leading developing market financial solutions provider.

What we aspire to: Our vision

Our vision is to be the most valued financial solutions brand in our chosen markets by providing a broad range of unique and relevant financial solutions tailored to the needs of our customers.

To achieve this, Bayport will engineer a new reality in financial services provision; and will be recognised for consistently demonstrating the highest standard of care, responsibility and innovation.

Bayport will be the first choice for the fulfillment of the economically active population’s financial needs – bringing hope, upliftment and liberation to the communities we serve.

What we believe in: Our core values

Empowerment

We believe in the capacity and will of all people to empower themselves and shape their own destinies, given the right economic and self-empowerment opportunities and access to life-changing financial solutions.

We believe in an empowered corporate culture where the Bayport family is encouraged to be proactive, and has the right tools and approach to fulfill our brand promise.

Responsibility

We believe in our duty of care to each and every customer to provide responsible access to credit, risk products and other financial solutions.

We believe in our role as a responsible member of the societies in which we live and provide services; as well as our responsibility to each other. We uphold the highest standard of integrity, corporate citizenship and ethical behaviour.

Innovation

We believe in innovation that matters and makes things better; in technology and product innovations that enable meaningful relationships with our customers.

We believe in the spirit of creative entrepreneurship, challenging conventions and embracing the lessons we have learned.

Simplicity

We are committed to doing and creating things that are simple. Simple to understand and resonate with. Simple to promote without the cost of confusion. A brand promise expressed in the simplest, most single-minded way.

Simplicity must rule how we talk to our customers, design our solutions and innovate; how we work together, meet and make decisions.

Partnership

We believe in the power to build lasting relationships with members of the Bayport family, customers, communities and stakeholders, based on trust and a deep understanding of what matters to them.

We recognise that our local partners and local management are the true champions of our brand, and that their local wisdom is critical to success.

Relevance

We believe in continuously putting ourselves to a simple series of tests by asking “Is what I am doing consistent with The Bayport Way and…

  • good for our customer?
  • adding value to or assisting the Bayport family?
  • time and cost efficient?
  • sustainable?”

By answering “Yes!” we ensure that what we are doing is relevant.

Our principles in action: The Bayport Way

The Bayport Way consists of nine philosophies that guide the way we conduct our business.
  1. An unshakeable and genuine belief in every individual customer’s ability to improve their lives through access to credit and other valuable financial solutions.
  2. Unquestioned passion and commitment to making credit, insurance, savings and transacting solutions easily and responsibly available; while leading the market with a competitive offering and transparency and disclosure of information.
  3. The strength to recognise that our local partners and local management are the true champions of our brand, and that their local wisdom is critical to success. We also recognise the value in learning from others and applying the best practices across the Group.
  4. The commitment to establish and create businesses using Bayport’s collective resources and skills; and supporting our expert local management in growing our businesses into the future.
  5. The expertise to create an unconventional, multi-faceted distribution capability which embraces fixed and mobile branches, widespread teams of origination consultants, call centres and unique third party distribution relationships. This capacity ensures that Bayport can service the full potential of our markets at the least cost and inconvenience to our customers.
  6. A substantial and ongoing investment in proprietary and purpose-developed information technology systems which enable the delivery of customer-centric financial solutions. Technology will drive our innovation and cost efficiency as a key competitive advantage.
  7. The strength of financial expertise and corporate reputation to be able to continually raise competitively priced capital for the holding company and operating companies to ensure the optimum levels of leverage to drive sustainable growth.
  8. To attract and retain special people to our business who add momentum to our success through their passion and skills.
  9. The commitment to invest in and uplift the communities in which we operate and live, both in terms of people’s lives, social infrastructure and the natural environment.