Pasifika Finance Pte Ltd review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Pasifika Finance lends to Fiji-based employees whose employer already runs a payroll deduction or memorandum arrangement with it, so approval stays inside the workplace. Personal loans of FJD 300 to FJD 500 run at a fixed rate over terms of 3.2 to 8.3.

Key facts

Best for
Fiji-based employees with a payroll deduction arrangement at their employer.
Loan amount
FJD 300 to FJD 500 (Source, checked September 26, 2026)
Term
3.2 to 8.3 months (Source, checked September 26, 2026)
Arrangement fee
Establishment fee FJD 65.00; approval fee FJD 13.00-65.00 (Source, checked September 26, 2026)
Funding time
Turnaround usually within 24hrs, otherwise 2-3 working days (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
Fiji-based employees of companies with a payroll deduction or MOU arrangement with Pasifika Finance; requires TIN/Voter ID, 2 latest payslips, bank statement, employment confirmation letter of more than 1 year, birth certificate, utility bill, valid email and phone (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Pasifika Finance Pte Ltd (Source, checked September 26, 2026)
Headquarters
Fiji (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
pasifikafinance.com.fj

Pros and cons

Pros

  • Approval runs through the employer payroll deduction or memorandum arrangement, which keeps the process predictable for both sides.
  • Turnaround usually within 24hrs, otherwise 2-3 working days for funding once the paperwork is complete.
  • Repayments are fixed rate, so the amount leaving each payslip does not move with market rates.
  • A direct lender founded in 2021, so borrowers deal with the same company from application to repayment.

Cons

  • The ceiling is FJD 300 to FJD 500, so this will not cover a large expense or a consolidation balance.
  • Charges of Establishment fee FJD 65.00; approval fee FJD 13.00-65.00 weigh heavily on a small loan balance.
  • Support runs on email and phone only, with no branch or in-person option.
Pasifika Finance Pte Ltd

Ready to try Pasifika Finance Pte Ltd?

Scored 8.6 / 10 by BorrowCue.

See alternatives

Who it suits

  • Fiji-based employees whose employer already has a payroll deduction or memorandum arrangement in place
  • Borrowers who want a short, fixed rate repayment taken straight from the payslip rather than a long facility
  • People who can hand over recent payslips, a bank statement, a birth certificate and a utility bill without delay

Who should look elsewhere

  • Anyone without an employer payroll deduction or memorandum arrangement, since eligibility runs through it; Cashspace ES lends €100 to €5,000 on a separate basis
  • Borrowers chasing a large sum, as Monzo Flex offers £10,000 to £35,000 where this lender stops at FJD 300 to FJD 500

Who runs it

Pasifika Finance Pte Ltd is the legal entity behind the loans, based in Fiji and trading since 2021. That makes it a young operation, so the fine print on cost and repayment matters more than the brand name. Support runs on email and phone, which is enough for most borrowers living in Fiji.

How Pasifika Finance Pte Ltd compares

Where Pasifika Finance Pte Ltd is available

Available
Fiji

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

Frequently asked questions

How much can I borrow from Pasifika Finance?+

Loans run FJD 300 to FJD 500 for personal borrowers. That is a short, payroll sized facility rather than money for a large purchase or a debt consolidation balance. Anything bigger needs a different lender, so check the range first before gathering documents.

What fees does Pasifika Finance charge?+

The stated charges are Establishment fee FJD 65.00; approval fee FJD 13.00-65.00. The establishment fee is the fixed cost of setting the loan up, and the approval fee moves with the offer you are given. On a small balance either one adds up, so compare the total repayable figure rather than the headline rate.

How quickly is the money paid out?+

Turnaround is usually quick: Turnaround usually within 24hrs, otherwise 2-3 working days. Approval runs through the employer arrangement, so the clock often depends on how fast the documents arrive. Recent payslips, a bank statement, a birth certificate and a utility bill all have to be in place before money moves.

Is the interest rate fixed?+

Yes. The loans are fixed rate and fixed rate, so the repayment you agree to stays the same through the term. Nothing shifts with a market rate, which helps anyone budgeting straight from a payslip.

Who can apply?+

The product is personal lending, open to Fiji-based employees whose company has a payroll deduction or memorandum arrangement with the lender. You also need a TIN or voter ID, recent payslips, a bank statement, an employment confirmation letter, a birth certificate, a utility bill and contact details.

How do I get in touch?+

Support runs on email and phone, so email and phone cover most questions. Borrowers in Fiji deal with the team remotely rather than in person, so keep your payslips and bank statement ready when you call. Repayment is taken over 3.2 to 8.3 from the first deduction.

Is Pasifika Finance the lender or a broker?+

It is a direct lender, so you deal with the company that issues the loan and collects the repayments rather than an intermediary. Personal loans of FJD 300 to FJD 500 go out under its own name, with the employer arrangement sitting alongside that relationship.

How long has the company been trading?+

It has been operating since 2021, which makes it a young lender. That usually means fewer products and less history than a long established bank, so read the fixed rate and the fee terms carefully. It trades as Pasifika Finance Pte Ltd.

Sources

  • pasifikafinance.com.fj checked September 26, 2026

    Backs: Support channels

    “Contact Us : 7388457 E-mail : info@pasifikafinance.com.fj”

  • pasifikafinance.com.fj/about-us checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “established on 23rd February 2021”

  • pasifikafinance.com.fj/loans-repayment-table checked September 26, 2026

    Backs: Pricing model, Arrangement fee, Rate type, Term

    “The deductions are (weekly or fortnightly) amount is fixed on the term (No hidden fees)”

  • pasifikafinance.com.fj/requirements-2 checked September 26, 2026

    Backs: Eligibility

    “1 Latest Confirmation Letter (Must be more than 1yr Employment) 1 Copy of BC 1 Copy of Utility Bill (EFL/ Water)”

  • pasifikafinance.com.fj/service checked September 26, 2026

    Backs: Loan amount, Funding time, Loan types

    “We provide Small Unsecured Personal Loans of $300 to $500 to staff of Companies and Government who have a MOU with us”

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

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

Related by the facts

Pasifika Finance Pte Ltd

Pasifika Finance Pte Ltd

Fiji-based employees with a payroll deduction arrangement at their employer.

8.6/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings