Wesram Finance was registered in 2005 and operation began in February 2007. It specializes in providing small loan services known as Personal Loans which is unsecured. This is to help people to fund their school fees, funeral services, travelling, special gatherings, etc. A study of the culture in Fiji and the financial constraints faced by ordinary working class people of Fiji, this financial lending system was tailored to meet the basic financial needs.

Since our loan system is unsecured, the most important factor is facilitating the loan repayments. That is, repayments must be organized by Salary/ Payroll section every week/ fortnight/ month and remitted to Wesram Finance Bank account or a cheque made payable to the same.

The service is rendered to civil servants, private company employees and other parties willing to take advantage of the facility. A letter of guarantee to facilitate fortnightly repayments from the clients Senior Management like, Financial Controller, Human Resource Manager must be provided before any transaction can take place.

We have two application forms. The first is for applicants applying for the first time with the details of the person applying, occupational details, banking details and if married, spouse details. The second application form is known as the Repeat form which comprises the basic customer details, in case they have changed employment or residential address has changed with the telephone contact and if there is any salary change.

Customers are required to attach a passport size photograph, latest payslip and identification card or any other specified document requested with the first application. Only payslip is required with repeat application.