Papua New Guinea

Cash from 10%, not 50%.
Short? Pay just the interest.

Borrow K100 to K1,000 until payday at 10% if your company is registered with us, or up to K500 at 20% if it is not — street lenders charge around 50% for the same 14 days. Short on your due date? You can pay just the interest and pay the loan back when you are able.

Borrow money Lend your money

Apply online in minutes · 10% or 20% fixed for up to 14 days · short on payday? pay interest only · lending in National Capital District (NCD)

What a loan actually costs

Example

You borrow K500.00

Fixed interest (10%) K50.00

Repaid	Interest	You repay
By the due date (14 days)	K50.00	K550.00
Interest only on the due date	K50.00	then K550.00 in 14 days
After the due date	K100.00	K600.00
A further fortnight late	K150.00	K650.00

Interest is a fixed 10%, charged once for a loan of up to 14 days. There is no daily interest. If the loan is not repaid by its due date, another 10% of the original amount is added for every fortnight it stays unpaid. Or pay the interest on the due date, and your loan is then due on your next pay day. These figures are for employees of registered companies. Employer not registered with INSTABUXX? You can borrow up to K500 at 20% fixed, with another 20% of the original amount added for every fortnight it stays unpaid. Paying interest only costs the interest: 20% of the amount, K100 on K500. You repay us directly, not through payroll.

Try the calculator

These are INSTABUXX rates, for loans we fund ourselves. Private lenders on the platform set their own interest type, term and rate — see how that works.

Fixed interest: 10% — street: ~50%
Loan amount: K100 to K1,000
Loan term: 14 days max
Short on your due date?: Pay interest only — the rest later

Short on your due date?

You do not have to pay in full.

If you cannot pay the whole amount on your due date, you can pay just the interest. Your loan is then due on your next pay day, on the same amount and at the same rate, and you pay it back when you are able.

Pay just the interest — on a K1,000 loan that is K100 instead of K1,100.
Your loan keeps running — another 14 days on the same amount, with no late charges.
Do it again if you need to — at the end of each term, pay in full or pay just the interest again.
Easy to ask — tap Pay interest only on your dashboard; we tell you the amount and your new due date.

Paying just the interest costs 10% of the amount, and your loan is then due on your next pay day, 14 days after this one. Paying in full is always the cheapest way to finish your loan. These figures are for employees of registered companies. Employer not registered with INSTABUXX? You can borrow up to K500 at 20% fixed, with another 20% of the original amount added for every fortnight it stays unpaid. Paying interest only costs the interest: 20% of the amount, K100 on K500. You repay us directly, not through payroll.

You borrow K1,000. On your due date you are short.

What happens next is up to you.

You pay just the interest

On your due date you owe K1,100you pay K100

Your loan starts again — due on your next pay dayK1,100

Late chargesnone

You pay nothing

Another 10% is addedevery fortnight

Your borrowing limitis cut

Recovery actionfollows

Borrow money

Is your company registered?

Get these benefits at your workplace

Our lowest rate comes through your employer. If your company is not registered yet, talk to your HR or Payroll office. It takes them two minutes to sign up, and it costs the company nothing.

10% interest, not 50%

Street lenders charge around 50% for 14 days. On K1,000 that is K500 interest — with us it is K100. You keep K400.

Short on payday? Pay just the interest

You do not have to pay in full. Pay the interest and pay the loan back when you are able.

Help when you need it

Cash in hours for school fees, hospital bills or a family emergency — repaid simply on payday through your payroll.

Ask your HR in one tap

Send them this message — it explains everything and links to our sign-up form.

Hi, can our company register with INSTABUXX? Staff of registered companies can borrow K100 to K1,000 at 10% fixed for 14 days, instead of around 50% from street lenders. If we are short on payday we can pay just the interest and pay the rest later. It costs the company nothing: payroll signs an agreement and deducts repayments on payday. You can register us here in two minutes: https://www.instabuxx.com/companies/join

Email my HR Share on WhatsApp

You send the message to HR or Payroll
They fill in a two-minute form
Payroll signs and stamps the agreement we email
Your company is listed — you apply

I work in HR or Payroll — register my company

Already registered? See the list

Two ways in

One platform, both sides of the loan

INSTABUXX funds loans from its own book, and lets private lenders fund loans through the same system — with the agreements, interest tracking and reminders handled automatically.

Borrowers

I need cash before payday

Short-term money for an emergency, a bill or a gap in the fortnight — one loan, repaid on your next payday, not months of deductions.

Borrow K100 to K1,000 for up to 14 days
10% fixed interest for employees of registered companies, 20% for everyone else — the exact total shown before you agree
Employer not registered? You can still borrow up to K500, and your HR can get you the lower rate
Funded straight to the bank account on your profile

Open a borrower account See how it works

Lenders

I lend my own money

If you already lend to workmates and family, run it through INSTABUXX instead of a notebook. Free to use, and the system does the chasing.

Your own Lender ID (LUID) routes borrowers to you
Interest calculated for you, every day
Every loan visible: pending, running, default, settled
Withdraw your wallet balance whenever you like

Become a lender Register now

The process

Four steps from sign-up to funds

Everything runs by email, so use an address you actually check.

Register

Choose borrower or lender, then click the confirmation link we email you. It expires after an hour — you can always request another.

Verify

Complete your profile and upload four documents: personal ID, work ID, your latest payslip, and a bank statement showing your pay.

Get your limit

We check your payslip and set your limit at 60% of take-home pay, so your total repayable always stays inside your means.

Apply & get paid

Choose an amount and days, sign the agreement by email, and receive the funds in the bank account on your profile.

Read the full process

Why we are different

One fortnight. One fixed price.

Long-term deduction lenders lock you into a plan for months. Street lenders charge around 50% for 14 days. We sit between the two: a 10% fixed charge for one pay cycle, repaid in one go on payday. Your employer’s payroll agreement is what makes a rate this low possible. If your employer is not registered yet the charge is 20%, repaid directly to us.

How our rates work

	INSTABUXX	Long-term deduction	Street “dinau”
Cost	10% or 20% fixed per fortnight	Fixed over months	~50% for 14 days
How long you owe	One pay cycle	Many months	Until paid
Repayment	Once, on payday	Every fortnight	—
Short on payday?	Pay just the interest, the rest later	Arrears and fees	Pressure and penalties
Cost shown upfront	Yes, before you sign	Sometimes	Rarely
Written agreement	Digitally signed	Yes	Verbal

Miss your due date and another 10% (20% if your employer is not registered) of the original amount is added for every fortnight the loan stays unpaid. Can’t repay in full on your due date? Pay interest only — the interest (10% of the amount, K50 on K500) — and your loan is then due on your next pay day, on the same amount, at 10% again. You can do this at the end of each term. Please borrow only what you can repay.

In your account

Everything on one dashboard

A running balance, always

See exactly what you owe today, what you will owe on the due date, and how many days are left.

Documents on demand

Download your signed application form or a payment receipt as a PDF whenever you need one.

Upload your proof

Paid by transfer or deposit? Attach the receipt to the loan and we reconcile it against your balance.

Email at every step

Application, decision, funding, balance updates and settlement all confirmed in writing.

Overpayments become credit

Pay more than you owe and the difference sits in your account as credit toward a future loan.

Your documents stay private

Payslips, IDs and statements are only visible to you, our admin, and a lender funding your loan.

Member reviews

What people say after borrowing

“

Ever since I learnt of Instabuxx through social media I’ve seen drastic changes with regards to my salary packages each fortnight. Borrowing of “Dinau Moni” was a constant headache especially with the interest payment of 100% each fortnight. Instabuxx brings a more relaxed service which is convenient, reliable, easy and the interest rate is reasonable each day.

Simon ABorrower

“

This service is very good as it will help customers when they are in need especially in emergencies. For me I wasn’t expecting the refund when paying my debts back early and it’s a bonus. It shows clearly how we customers commit in paying our debts early also reducing our interest rates.

Baudi KBorrower

“

Thank you in advance for your timely response, also the online services. Funds received. Thank you once again. Will let others know about your services. Only the one that I trust.

Michael SBorrower

Before you apply

Still unsure? Talk to us — email or WhatsApp is usually fastest.

I can’t repay everything on payday. What can I do?

Pay interest only. On your due date pay the interest instead of the whole balance, and your loan is then due on your next pay day, on the same amount, at 10% again. Borrow K1,000: on the due date you owe K1,100. If you can’t pay that, pay K100 instead, and K1,100 is due on your next pay day. If you still can’t, you can do the same again. If your employer is not registered, that interest-only payment is 20% of the amount: K100 on K500. Pay, upload your payment proof, and tell us it is interest only.

How much can I borrow?

INSTABUXX loans are from K100 to K1,000. Within that range your limit depends on your payslip: we set it at 60% of your take-home pay, and your total repayable (principal plus interest) must stay under it. Apply for more and the system cancels the application automatically.

How is the interest calculated?

A fixed 10% of the amount you borrow if your employer is registered with INSTABUXX, or 20% if it is not, charged once, for a loan of up to 14 days. There is no daily interest. At 10%, borrow K500 and you repay K550 on your due date. Because the interest is fixed, repaying earlier does not reduce it.

What happens if I miss the due date?

Another 10% (20% if your employer is not registered) of the original amount is added straight away, and again for every further fortnight (14 days) the loan stays unpaid. At 10% on a K500 loan you would owe K600 one day after the due date, then K650 a fortnight later. We will also pursue recovery under the terms you sign, so please only borrow what you can repay.

How do I repay?

In one payment on your payday. If your company has signed a payroll agreement with us, the repayment is made through your employer’s payroll arrangement on the payday your loan is due. If it has not, you pay us directly and upload your payment proof. There are no months of deductions — one loan, one repayment.

What do I need to upload?

Four things: a personal ID, your work ID, your most recent payslip, and a bank statement showing that pay arriving. We cannot set a limit without them.

I want to lend, not borrow. How does that work?

Register as a lender and you get a Lender ID (LUID). Your borrowers enter it when they apply, the loan lands on your dashboard for funding, and repayments credit your wallet — which you can withdraw at any time. Full details here.

Ready when you are

Open an account in a few minutes. Borrow from 10% — and if you are short on your due date, you can pay just the interest and pay the rest later. Or start lending through a platform that keeps your money working.

Create my account Work out my repayment

Cash from 10%, not 50%. Short? Pay just the interest.