National Finance SI Ltd review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

National Finance SI Ltd suits Solomon Islands government and private sector employees who want a salary-deducted personal loan or debt consolidation, repaid straight from pay. Borrowings run SBD 1,000 to SBD 20,000 over 1 to 18 on a fixed rate, with funds drawn down quickly once your application is received.

Key facts

Best for
Salaried Solomon Islands employees wanting a fixed-rate loan that repays itself through a salary deduction authority.
Loan amount
SBD 1,000 to SBD 20,000 (Source, checked September 26, 2026)
Term
1 to 18 months (Source, checked September 26, 2026)
Funding time
Funds drawn down within 24 hours of receipt of the application, deposited direct to your bank account (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Citizen employees of the Solomon Islands government or private sector with at least twelve months at their employer, last two payslips no more than 30 days old, photo ID, and a signed salary deduction or Permanent Variation Advice authority (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
National Finance SI Limited (Source, checked September 26, 2026)
Headquarters
Solomon Islands (Source, checked September 26, 2026)
Founded
2001 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
national-finance.com

Pros and cons

Pros

  • A direct lender rather than a broker, so you deal with the lender itself: direct lender
  • Fixed-rate borrowing across personal loans and debt consolidation: personal and debt consolidation with fixed
  • Funds are drawn down once the application is received and paid direct to your bank account: same day funding
  • Long trading history in Solomon Islands lending, founded in 2001

Cons

  • Repayment is collected through a signed salary deduction or Permanent Variation Advice authority, so instalments come out of your payslip rather than a payment you set up
  • Borrowing runs SBD 1,000 to SBD 20,000 over 1 to 18, which is short for consolidating a larger pile of debt
  • Support runs on email and phone only, with no chat or online help centre
National Finance SI Ltd

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Borrowers comfortable having instalments taken from their payslip each cycle
  • People folding several existing debts into one fixed-rate personal loan

Who should look elsewhere

  • Anyone without a signed salary deduction or Permanent Variation Advice authority
  • Self-employed or contract workers outside the government and private sector payroll
  • Borrowers needing a larger sum or a longer term than SBD 1,000 to SBD 20,000 over 1 to 18

Who runs it

National Finance SI Limited is a direct lender based in the Solomon Islands, founded in 2001. It lends its own money rather than passing applicants on to other lenders, and offers personal loans alongside debt consolidation. Support runs on email and phone, so questions about a salary deduction authority, payslips or a drawdown can be raised by phone or email. Its criteria centre on local public and private sector payrolls.

How National Finance SI Ltd compares

Where National Finance SI Ltd is available

Available
Papua New Guinea, Solomon Islands

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow and for how long?+

Loan amounts run SBD 1,000 to SBD 20,000, and terms run 1 to 18. The rate is fixed, so the instalment stays the same for the life of the loan. Borrowing is arranged with the lender directly, with no broker in between: direct lender.

How quickly do I get the money?+

Funds are drawn down once your application is received and deposited direct to your bank account, which matches the listed feature of same day funding. Your salary deduction authority needs to be in place before the drawdown, and repayments then run through your payslip.

How is the loan repaid?+

Repayment runs through a signed salary deduction or a Permanent Variation Advice authority, so instalments come out of pay rather than a direct debit you manage. That suits steady payroll income and ties the loan to continued employment, on the same basis as both loan types: personal and debt consolidation.

What does it cost?+

The rate type is fixed and the model is fixed rate, so the cost does not drift with market rates. The total repayable figure in your application pack is the number to weigh against SBD 1,000 to SBD 20,000 over 1 to 18. Across the wider personal loans market the median APR is 12.25%.

Is my money protected by a deposit protection scheme?+

This is a loan rather than a deposit account, so a protection scheme for balances does not apply here. What you owe is governed by the rate type, fixed, and the SBD 1,000 to SBD 20,000 borrowed over 1 to 18, with repayment taken from your payslip rather than a separate payment.

How do I get help during the loan?+

Support runs on email and phone, so questions go by phone or email. Useful items to have ready are your signed salary deduction or Permanent Variation Advice authority and your most recent payslips, since those are what an application is assessed against. The lender has worked in Solomon Islands lending since 2001.

Can I use this to consolidate other debts?+

Debt consolidation is one of the loan types offered: personal and debt consolidation. With a fixed rate and terms of 1 to 18, it suits smaller existing balances folded into a single salary-deducted payment rather than a large debt spread over a longer term. Borrowing here runs to SBD 1,000 to SBD 20,000, so a bigger consolidation needs a different lender.

Sources

  • national-finance.com checked September 26, 2026

    Backs: Features, Headquarters, Legal entity, Loan types

    “Do you need same day approval and deposit to your account, then you have come to the right place.”

  • national-finance.com/about-us checked September 26, 2026

    Backs: Founded, Lender type

    “National Finance Limited was incorporated in Papua New Guinea in 2001”

  • national-finance.com/contact checked September 26, 2026

    Backs: Support channels

    “(+677) 29777 or 26432 - enquiries@national-finance.com”

  • national-finance.com/forms checked September 26, 2026

    Backs: Loan amount, Pricing model, Rate type

    “PREMIUM LOAN SCHEDULE 2.4% ($1,000 - $5,000); PREMIUM LOAN SCHEDULE 2.4% ($15,100 - $20,000)”

  • national-finance.com/loan-criteria checked September 26, 2026

    Backs: Eligibility, Funding time, Term

    “Employment Confirmation Letter confirming start date and salary with your existing employer of at least twelve months; Last two pay slips not more than 30 days old”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Arrangement fee, Credit check, Representative example.

National Finance SI Ltd

National Finance SI Ltd

Salaried Solomon Islands employees wanting a fixed-rate loan that repays itself through a salary deduction authority.

8.8/10See alternatives

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