MoPR (Bank of Botswana)
3.50%
Base rate for the entire economy
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Understanding Lending Products
🏠 Mortgage
Secured by property. Longest term (10–30 years), lowest rate. For buying or building a home.
👤 Personal Loan
No collateral required. Higher rate than mortgage because bank has more risk. For any personal use.
🚗 Car Finance
Secured against the vehicle. Lower rate than personal loan. Sometimes called VAF or Eezi Auto (BSB).
🔄 Overdraft
Revolving credit on your current account. You only pay interest on what you use. Rate varies by bank.
💳 Credit Card
Only charged interest on unpaid balance. Highest rates — always pay in full monthly if possible.
📊 What is PLR?
Prime Lending Rate — each bank's own base lending rate. All loan rates are set above the PLR. All rates on this site are already calculated to their final value.
⚠️ Rates shown are the final annual rates you'll pay — PLR spreads have already been calculated. These are indicative rates from officially published schedules. Actual rates may vary based on your credit profile. Always confirm directly with the bank. Clicking a bank name opens their official website.