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For lendersLend your own money.
Let us do the bookkeeping.
If you already lend cash to colleagues, family or friends, INSTABUXX gives you the infrastructure for free: signed agreements, daily interest calculation, automatic reminders, and one dashboard showing every kina.
Stop chasing people for your own money
A signed agreement, every time
Your borrower digitally signs the terms and conditions before the loan is accepted, with a timestamp on record.
You set your own rates
Choose your interest type (fixed or variable), your term (daily, weekly, fortnightly or monthly), your rate, your base interest (a percentage or a flat fee, charged once or re-applied), what happens at term expiry and your default rate. How it works.
Interest worked out for you
Whatever you configure, the platform accrues it automatically every term and switches to your default rate when a loan goes past due.
We send the reminders
Balance updates, default notices and payment confirmations go out from the platform, not from you.
A wallet you can draw on
Repayments collected on your behalf land in your wallet. Withdraw at any time, or leave it to fund the next loan.
Borrowers are verified first
Every borrower uploads ID, work ID, a payslip and a bank statement, and gets a limit capped at 60% of take-home pay.
Free to use
The platform costs you nothing. You bring the funds; we bring the system and the record-keeping.
One code that routes borrowers to you
When you confirm your account you are issued a Lender Unique Identification Code (LUID). It appears on your dashboard the moment you log in.
- Give your LUID to anyone who wants to borrow from you.
- They register at instabuxx.com and enter your LUID in the Lender ID Code field on the application.
- The loan is assigned to you: you get an email alert and it appears on your dashboard as pending.
- You fund it and send us the payment copy. We take it from there.
Our admin can also assign an unallocated loan to you if a borrower forgets to enter your code.
From sign-up to repayment
Register as a lender
Select Lender on the registration form and confirm the link we email you. Check Junk or Spam if it does not arrive.
Collect your LUID
Log in and your Lender ID is on the dashboard. Share it with the people who borrow from you.
Fund the applications
Loans applied for with your LUID arrive as pending. Fund the ones you accept and send us the payment copy.
Collect and withdraw
Borrowers repay you directly, or repay INSTABUXX and it credits your wallet. Withdraw whenever you like.
Where the money goes. When a borrower applies with your LUID we send them your account details to repay into. If they pay INSTABUXX instead, you get an automatic email and the amount is added to your wallet balance.
Your whole book on one screen
Pending, running, defaulted and settled loans — plus your wallet balance and what is still out on loan.
list_alt My loan book
Every loan you have funded, grouped by status, with the borrower, amount, days, interest and total due.
group My borrowers
The people you have lent to, with their verification documents and their history with you.
payments Withdraw funds
Request a withdrawal from your wallet at any time. We pay it to the bank account on your profile.
Lending carries risk
We verify borrowers and cap their limits, but the funds you lend are your own and repayment is never guaranteed.
What happens if my borrower defaults?
The loan is reclassified automatically: another 10% of the principal is added and interest moves to 4% per day. We issue default notices and, past 30 default days, it can be escalated to a bad loan with recovery action and a Credit & Data Bureau listing.
Can I lose money?
Yes. INSTABUXX does not guarantee or insure your capital. You decide which applications to fund, and the risk on those loans is yours.
What if a borrower pays part of the loan?
The part payment settles that loan and the outstanding balance automatically becomes a new loan on the same terms, so interest keeps running on what is still owed.
Can I take my money out?
Anything sitting in your wallet, yes — request a withdrawal at any time. Money currently out on a loan comes back as the borrower repays.
Start lending through INSTABUXX
Register, confirm your email, and your Lender ID is waiting on your dashboard.