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Pasifika Finance Pte Ltd review

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

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Our verdict

Pasifika Finance lends directly in FJ to salaried staff whose employer already runs a payroll deduction or MOU arrangement with it. Personal loans run FJD 300 to FJD 500 over 3.2 to 8.3 at a fixed rate, with charges at setup and approval.

Key facts

Best for
Fiji-based salaried staff at partner employers who want a small fixed-rate personal loan.
Loan amount
FJD 300 to FJD 500↗
Term
3.2 to 8.3 months↗
Arrangement fee
Establishment fee FJD 65.00; approval fee FJD 13.00-65.00↗
Funding time
Turnaround usually within 24hrs, otherwise 2-3 working days↗
Rate type
Fixed↗
Lender type
Direct lender↗
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↗
Loan types
Personal↗
Legal entity
Pasifika Finance Pte Ltd↗
Headquarters
Fiji↗
Founded
2021↗
Support channels
Email, Phone↗
Pricing model
Fixed rate
Official website
pasifikafinance.com.fj

Facts checked September 26, 2026, 5 sources

Pros and cons

Pros

  • It lends directly as Pasifika Finance Pte Ltd rather than through a broker or a marketplace.
  • Funding is quick: Turnaround usually within 24hrs, otherwise 2-3 working days.
  • Loans run FJD 300 to FJD 500 over 3.2 to 8.3 at a fixed rate, so instalments hold.
  • Support runs on email and phone, so help comes straight from the lender.

Cons

  • Borrowing is limited to Fiji-based employees of employers with a payroll deduction or MOU arrangement with it, which shuts out the self-employed.
  • The ticket is small: FJD 300 to FJD 500 tops out well under the €2,629.99 seen across comparable listings.
  • Establishment fee FJD 65.00; approval fee FJD 13.00-65.00 lands early on a loan of FJD 300 to FJD 500, so setup costs weigh heavily.
Pasifika Finance Pte Ltd

Ready to try Pasifika Finance Pte Ltd?

Scored 8.7 / 10 by SumCue.

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Who it suits

  • Salaried staff in Fiji whose employer deducts repayments through Pasifika Finance.
  • Borrowers who want to deal with the lender itself, since it lends directly rather than via a broker.
  • People who can plan around funding, given Turnaround usually within 24hrs, otherwise 2-3 working days.

Who should look elsewhere

  • Anyone needing a larger loan: Cashspace lends PHP 500 to PHP 25,000 and Sofkredit €12,000 to €300,000.
  • Borrowers in Fiji wanting a euro loan rather a Fiji dollar one, since Creduma ES works at from €12,000.
  • Self-employed applicants and staff at employers with no payroll deal, who fall outside the eligibility criteria.

The company behind it

Pasifika Finance Pte Ltd is registered in Fiji and was founded in 2021, making it a young local operation rather than an international name. Applications and servicing sit with the company itself, and support runs on email and phone only, so contact is direct but narrow for anyone who prefers to talk a matter through in person.

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 at a fixed rate, repaid over 3.2 to 8.3. That is a narrow range, so it suits small short-term needs rather than a large expense. Documents to have ready include a TIN or voter ID, recent payslips, a bank statement, a birth certificate, a utility bill and an employer letter.

Who is eligible to apply?+

Eligibility is narrow: Fiji-based employees of companies that already hold a payroll deduction or MOU arrangement with Pasifika Finance, which lends in Fiji. That employer link is the gate, so self-employed applicants and staff at other workplaces sit outside the criteria. Applicants also need identity, income and residency documents.

What fees are charged on the loan?+

A charge applies to establish the loan and a further charge to gain approval: Establishment fee FJD 65.00; approval fee FJD 13.00-65.00. Both land early, on a borrowing of FJD 300 to FJD 500 over 3.2 to 8.3, so the cost is a meaningful share of what you take. The rate is fixed, so the instalment holds for the length of the loan.

How quickly is the money paid out?+

Turnaround is Turnaround usually within 24hrs, otherwise 2-3 working days. That is quick by lending standards, though the clock depends on a full set of documents being in place. Because this is a direct lender in Fiji, the employer payroll arrangement shapes the pace alongside the paperwork.

Is the interest fixed or variable?+

The rate type is fixed and the model is fixed rate, so repayments are set at the start and hold across 3.2 to 8.3. With a term this short, a missed deduction matters more than a rate rise, so the upfront Establishment fee FJD 65.00; approval fee FJD 13.00-65.00 is the number to weigh.

How do I contact the company?+

Support runs on email and phone. Pasifika Finance Pte Ltd, founded in 2021, handles enquiries directly as a direct lender, without a broker in between, so questions reach the team that sets the terms. Every conversation runs through email or a phone call.

How does it compare with larger lenders?+

The gap is scale. Cashspace lends PHP 500 to PHP 25,000, while Creduma ES works at from €12,000 and Sofkredit at €12,000 to €300,000, all in currencies other than the Fiji dollar. Pasifika Finance instead works small and local, tied to an employer's payroll arrangement, which suits salaried staff in a single market.

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.

Pasifika Finance Pte Ltd

Pasifika Finance Pte Ltd

Fiji-based salaried staff at partner employers who want a small fixed-rate personal loan.

8.7/10See alternatives