What is Pivotal Apex Enterprises?
Pivotal Apex Enterprises is a Zimbabwean-owned company dedicated to empowering the middle class, particularly civil servants, by providing access to high-quality technology and essential products through affordable loan financing solutions.
What products do you offer?
We offer a wide range of products, including the latest smartphones, laptops, computers, solar systems for home and office use, and furniture, all designed to meet the needs of modern Zimbabwean consumers.
How does your loan financing work?
Our loan financing is quick, easy, and affordable. We provide flexible repayment plans tailored to your budget, allowing you to access premium products without financial strain.
Who can apply for your financing packages?
Our financing packages are designed for Zimbabwean middle-class consumers, with a special focus on civil servants. If you have a steady income, you’re eligible to apply.
What are the requirements for SSB-based Civil Servants Loans?
To qualify for our SSB-based Civil Servants Loans, you need:
- A Valid Government Employee Identity Number otherwise known as EC Number.
- Proof of employment in the form of a Payslip.
- A Valid National ID.
- Proof of Residency.
What is the maximum loan tenure available?
Our loan tenures are flexible, ranging from 6 to 24 months, depending on the product and your repayment capacity. We will work with you to find a plan that suits your budget.
Why choose Pivotal Apex Enterprises?
We are committed to empowering Zimbabweans by bridging the gap between quality and affordability. Our hassle-free financing, high-quality products, and customer-centric approach make us the ideal partner for upgrading your lifestyle.
How can I apply for a loan?
Applying is simple! Visit our website or contact our team to learn more about our products and financing options. We’ll guide you through the quick and easy application process.
Are there any associated costs or hidden fees?
No hidden fees! We believe in transparency. All associated costs, such as administration fees and interest rates are clearly communicated upfront during the application process.
Can I repay my loan early?
Yes, you can! We encourage early repayments and do not charge any penalties for settling your loan ahead of schedule. In fact, it gives you a better credit rating, making you eligible for more financing solutions.
What happens if I miss a repayment?
We understand that life can be unpredictable. If you miss a repayment please contact us immediately to discuss a revised payment plan. We are here to help you stay on track, and our SSB based loan prevent repayment interruptions.
What currencies do you accept for payments?
At Pivotal Apex Enterprises, we primarily accept payments in the Zimbabwe Gold (ZiG) and United States Dollar (USD). This ensures flexibility and convenience for our customers.
Are your loan financing packages available in USD?
Yes, we offer loan financing packages in both ZiG and USD. This allows you the freedom to choose the currency that best suits your financial situation.
What happens if there are currency fluctuations during my loan repayment period?
If you’ve taken a loan in USD, your repayments will remain in USD, protecting you from local currency fluctuations. For ZWL loans, repayments are based on the agreed-upon ZWL amount.
Can I switch currencies during my loan repayment period?
Currently we do not allow switching between currencies once a loan agreement is in place. However, you can discuss your options with our team before finalizing your loan.
Where is Pivotal Apex Enterprises located?
We are a proudly Zimbabwean-owned company, serving customers across the country with a focus on accessibility and convenience. Our head offices are located at ZIMDEF House, Office E205, Along Fort Street, between 8th & 9th Avenue, in Bulawayo. However we have agents across the country.
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