Bese means family · A Papua New Guinean lender
Bese Finance is a registered private lender in Papua New Guinea offering salaried employees fair, quiet short-term loans, repaid through fortnightly payroll deduction. No paper. No queues. 100% Digital.
A quiet, simple journey
Three steps, entirely on your phone. No forms to print. No branch to visit. No queues. Just a conversation — and money in your account.
Reach us through the channel you'll discover at launch. Tell us where you work. Our assistant checks your eligibility and repayment capacity — quietly, in minutes, without paperwork.
Sign your salary deduction authority on a secure digital link. Your HR officer confirms your employment and authorises the fortnightly deduction — no paper, no branch visit, full legal standing.
Approved funds are transferred straight to your nominated bank account. Repayments are deducted automatically from your fortnightly pay — no manual transfers, no reminders, no friction.
Bese Finance Limited is a private company registered with the PNG Investment Promotion Authority. FASU registration under the AML/CTF Act 2015 is in progress.
Full customer due diligence under the AML/CTF Act 2015 and Electronic Transactions Act 2021.
We never recommend a loan that exceeds 40% of your net fortnightly pay, including existing deductions.
One flat fee, set when you take the loan. No interest accruals. No late penalties for early repayment.
For employer partners
Bese Finance partners with PNG employers under a simple Memorandum of Understanding. Your staff get access to a regulated, fair short-term lender. You keep the workforce well by spending nothing — no fees, no underwriting, no risk on your books.
Common questions
You need to be a salaried employee at one of our partner employers. We're growing the partner list each month — join the waitlist and we'll let you know as soon as Bese launches, or when your employer comes on board.
One flat fee, calculated when you take the loan. No interest accruals, no compounding, no surprises. The fee is shown to you before you sign — you'll know exactly what you owe and over how many fortnights you'll repay it.
Returning borrowers in good standing receive a discounted rate on their next loan, automatically.
We collect only what's required for customer due diligence under the AML/CTF Act 2015. Your records are stored in encrypted cloud infrastructure and retained per the seven-year requirement of Section 49 of the Act.
Your salary deduction authority is a digitally signed legal document under the Electronic Transactions Act 2021. You receive a copy through our secure channel the moment it is countersigned by your employer.
You can repay early at any time without penalty. Simply reach out through our channel and we'll send you bank transfer details. Early repayment may also unlock a higher loan amount or better rate on your next loan.
We grow the employer network through introductions from staff. If your employer isn't signed up, join the waitlist — leave us the name of your employer and the HR contact we should reach out to. We'll handle the introduction. You'll be the first to know when your employer joins.
Join the borrower waitlist and you'll be first to know the moment Bese goes live — and first to experience it.
Join the waitlistYou'll be the first to know the day Bese launches. Leave your details below.
We'll be in touch as soon as Bese Finance launches. Watch this space.
Version 1.0 · Bese Finance Limited · Effective 1 May 2026
Bese Finance Limited (IPA No. 1-148933456) collects personal information only to assess and service loans. We do not sell your data. You can request access, correction, or deletion at any time by emailing help@besefinance.com.
When you apply for a loan: your full name, date of birth, National ID number and photo, mobile number, residential address, employer details, net pay, bank account, and a single GPS location pin — all required under the PNG AML/CTF Act 2015.
When you join our waitlist: your name, mobile number, and employer name only.
Loan assessment and servicing, identity verification, AML/CTF compliance, fraud prevention, and anonymised product improvement. Nothing else.
Your data is stored in encrypted cloud infrastructure in Sydney, Australia, protected by TLS 1.2+ in transit. We retain records for seven years as required by Section 49 of the AML/CTF Act 2015, then securely delete them. Waitlist data not resulting in a loan is deleted within 12 months of launch.
You may request access, correction, or deletion of your data at any time. Email help@besefinance.com. We respond within 14 business days.
Questions? help@besefinance.com · +675 8388 5082
Version 1.0 · Bese Finance Limited · Effective 1 May 2026
These terms govern your use of Bese Finance's lending service. By applying for a loan, you agree to them. They should be read alongside our Privacy Policy and Responsible Lending statement.
You must be 18 or older, a salaried employee of a partner employer, hold no active unpaid Bese loan, and pass identity verification under the PNG AML/CTF Act 2015.
We will not approve a loan where your fortnightly repayment exceeds 40% of your net fortnightly pay, after existing deductions. If no term fits, we offer a smaller amount or decline.
The SDA is your legally binding loan contract under the PNG Electronic Transactions Act 2021. It authorises your employer's payroll to deduct repayments and remit them to Bese Finance. We will never instruct a deduction above the amount stated in your SDA. You receive a signed copy immediately after your employer countersigns.
Repayments are deducted automatically from your fortnightly pay — no action required. You may repay early at any time without penalty. Contact us for bank transfer details.
You are in default if three or more consecutive deductions are missed for reasons within your control, you provide false information, or your employment ends and you don't engage with us within 14 days. Outstanding balances become immediately repayable on default.
These terms are governed by the laws of Papua New Guinea. Disputes are subject to PNG courts.
Questions? help@besefinance.com · +675 8388 5082
Version 1.0 · Bese Finance Limited · Effective 1 May 2026
Bese means family. These are the commitments that make that more than a tagline.
If your circumstances change, contact us early. We will work with you on a reasonable arrangement and will not penalise you for communicating hardship promptly.
Concerns? help@besefinance.com · +675 8388 5082