Short-Term Loans Built for Papua New Guinea

Borrow K50–K1,000 with transparent rates, digital terms, and repayment schedules that respect your pay cycle.

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No hidden fees · Digital terms before you commit · Ideal for rotational workers & corporate staff

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Four simple steps

From application to funds in your hand — a straightforward digital process.

1

Apply

Create your account and submit a loan application through the WanPaus platform.

2

Verify

Complete KYC verification — liveness check, ID document, phone, and email.

3

Accept Terms

Review your loan terms digitally and confirm with your secure OTP. No surprises.

4

Receive Funds

Your loan is approved and disbursed. Repay on your schedule.

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Two products, one platform

Choose the repayment structure that fits your income pattern.

Bullet Loan

Lump sum. Repay in full at the end of your term.

Term7 – 90 days
RepaymentSingle payment at term end
Loan amountK50 – K1,000
Partial repaymentsPermitted
Best for borrowers expecting a lump-sum income — wages, bonuses, or end-of-rotation pay.

Amortized Loan

Fortnightly installments. Spread repayments over your term.

Term14+ days
RepaymentFortnightly installments (PMT)
Loan amountK50 – K1,000
Payday alignmentWeekly, fortnightly, or monthly
Ideal for rotational workers — repayments align to your pay dates.
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Grow your limit as you build trust

Every on-time repayment moves you up. Start at K50 — work your way to K1,000.

TierLimitHow to ReachAPR
🥉 BronzeK50Starting tier400%
🥈 SilverK1003 consecutive on-time repayments400%
🥇 GoldK2006 consecutive on-time repayments400%
💜 PlatinumK5009 consecutive on-time repayments400%
💚 EmeraldK80012 consecutive on-time repayments400%
💎 DiamondK1,00015 consecutive on-time repayments400%
⭐ TrustworthyAny tier15 consecutive on-time repayments300%

A late payment resets your consecutive streak and returns your tier to Bronze. Build consistently to keep your limit and rate.

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Transparent pricing, always

All rates and fees are shown digitally before you accept any loan. No hidden charges.

Standard Rate

400%
APR — all tiers

Trustworthy Rate

300%
APR — after 15 on-time repayments

Other Fees

  • Late fee10% of principal
  • Grace period5 days
  • Application feeNone
  • Early repaymentNone

APR is stated for transparency and regulatory compliance. Interest is calculated daily on your outstanding principal balance. Your exact repayment amount is disclosed in full before you accept the loan. WanPaus is a technology platform. Lending is subject to lender terms and applicable PNG financial regulations.

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Who can apply

WanPaus is open to any employed individual in Papua New Guinea — rotational workers, corporate staff, and beyond.

Based in PNG

Available to PNG residents. Ideal for rotational workers and corporate employees with urgent short-term needs.

Valid ID

A government-issued identity document is required for KYC verification.

Mobile & Email

A verified mobile number and email address are required for OTP-based loan consent.

Liveness Check

A short liveness verification confirms your identity matches your ID document.

Lender Enrollment

You must be enrolled by a WanPaus lender before submitting a loan application.

One Active Loan

WanPaus allows one active loan per borrower per lender at any time.

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Built for transparency and security

Operated by WanTek (Pakimu Investment Limited), Papua New Guinea. Every loan is issued with full digital disclosure.

HTTPS Encrypted

All data in transit is protected end-to-end. Your personal and financial information is encrypted.

OTP-Verified Consent

Every loan is confirmed with a one-time password. No loan is issued without your explicit consent.

Liveness KYC

Identity is verified via ID document and liveness check. Your account is protected from unauthorised use.

Full Fee Disclosure

Your complete repayment schedule — including every kina of interest and fees — is shown before you accept.

PNG-Based Operation

Built and operated in Papua New Guinea by WanTek (Pakimu Investment Limited). Local team, local knowledge.

Real Support

Email hi@wantekpng.com. We respond within one business day. See our FAQ for quick answers.

WanTek support staff reviewing a borrower's account together
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Ready to apply?

Create your account on the WanPaus platform and start your borrowing journey today.

Apply at app.wanpaus.com