PAMF review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

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Our verdict

PAMF suits adults in Madagascar who hold an active Orange Money account and need a modest short term advance paid to mobile money. Loan amounts of MGA 5,000 to MGA 1,000,000 keep planning simple for eligible borrowers seeking clarity around limits and timing before applying.

Key facts

Best for
Short mobile advances via Orange Money in Madagascar
Loan amount
MGA 5,000 to MGA 1,000,000 (Source, checked September 28, 2026)
Term
30 months (Source, checked September 28, 2026)
Arrangement fee
9% of the loan amount (Source, checked September 28, 2026)
Funding time
Instantly after PAMF accepts the loan (Source, checked September 28, 2026)
Rate type
Fixed (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 28, 2026)
Eligibility
Ages 18-65; active Orange Money account and Malagasy national or resident card required (Source, checked September 28, 2026)
Origination fee (%)
9% (Source, checked September 28, 2026)
Loan types
Personal, Payday (Source, checked September 28, 2026)
Legal entity
Société Première Agence de Microfinance Madagascar (Source, checked September 28, 2026)
Headquarters
Madagascar (Source, checked September 28, 2026)
Support channels
Email, Phone (Source, checked September 28, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
pamf.mg

Pros and cons

Pros

  • Funding arrives Instantly after PAMF accepts the loan, helpful for urgent expenses
  • Borrow directly as direct lender with no broker involved
  • Predictable pricing through fixed with fixed rate structure

Cons

  • Arrangement charge of 9% adds to the cost of every advance
  • Term of 30 leaves little room for longer repayment planning
  • Support runs on email and phone only

Ready to try PAMF?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults with active Orange Money seeking rapid mobile disbursement
  • Borrowers wanting a modest fixed priced advance for short needs

Who should look elsewhere

  • Borrowers seeking larger euro funding may prefer Ibancar Prestamos for its broader amount band
  • Borrowers wanting card based credit may prefer AXI Card Tarjeta y Credito for its card format

Safety and regulation

PAMF operates as direct lender, so you borrow directly from the microfinance institution rather than through a broker. It holds authorisation from the Commission de Supervision Bancaire et Financiere (CSBF) under 05/IMF3/NM/08. That licensed status matters for accountability, though you should still review terms carefully before borrowing.

Who runs it

The lender is Société Première Agence de Microfinance Madagascar, based in Madagascar, serving borrowers through mobile money. Support is available by email and phone, which suits routine queries about applications and repayment. Its CSBF licence 05/IMF3/NM/08 identifies the supervised entity behind the offer, helping you confirm who holds your agreement.

How PAMF compares

Where PAMF is available

Available
Madagascar
Licence in Madagascar
Commission de Supervision Bancaire et Financière (CSBF) (05/IMF3/NM/08), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

How much can I borrow from PAMF?+

PAMF offers loan amounts of MGA 5,000 to MGA 1,000,000 paid through mobile money. That range suits modest short term needs rather than large purchases. Check that the limit covers your expense before applying, as amounts outside that band are not available.

What fees does PAMF charge?+

PAMF charges fees of 9% of the loan amount on the loan amount. The charge is taken as part of the loan cost, so include it when comparing total repayment. Review the agreement carefully to see how the fee affects the sum you receive and repay.

How long is the term and how fast is funding?+

PAMF offers terms of 30 under a fixed rate model of fixed rate. Funding is sent Instantly after PAMF accepts the loan, which helps when timing matters. Plan repayment around that short term, since extensions beyond the stated term are not part of the offer.

Who can apply for a PAMF loan?+

PAMF is open to adults within an age band who hold Malagasy nationality or residence and an active Orange Money account. You will need the relevant identity card and a working mobile money account in your name. Applications without those elements are unlikely to proceed.

Is PAMF a direct lender and is it supervised?+

PAMF operates as direct lender, so your agreement is directly with the lender. It holds authorisation from the Commission de Supervision Bancaire et Financière (CSBF) under 05/IMF3/NM/08. That supervision provides accountability, though borrowing still carries cost and repayment risk.

How can I contact PAMF for help?+

PAMF provides support through email and phone. You can use those channels for questions about eligibility, disbursement through Orange Money, and repayment. Keep your loan details ready when contacting support so queries about your application can be handled promptly.

What types of loans does PAMF offer?+

PAMF lists loan coverage as personal and payday with pricing of fixed. That structure suits borrowers comparing a modest personal advance with a very short payday style need. Choose the option that matches your purpose and ensure the short term fits your budget.

Sources

Compiled from 3 source pages, checked September 28, 2026. We did not open an account.

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

PAMF

Short mobile advances via Orange Money in Madagascar

8.8/10See alternatives

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