Salary, business and group loans for people who come recommended. Each one is priced in full before you sign.
Pick the one that matches how you earn. Amounts and terms are confirmed in your quote.
Each loan needs a confirmed recommendation. Guarantors and collateral are pledged for the loan when you apply.
10% flat
For people with a steady salary. Terms start at four months so that the charge stays within the legal monthly cap.
Working capital for a business with a record in its market. We plan the repayments around your takings.
For groups of members who know and vouch for one another. Members carry joint liability for the loan.
Staff schemes for the people you employ and group facilities for the communities you serve, handled by one relationship officer.
When you pledge an asset you own, such as land, a vehicle or equipment, we record it with its value against the loan.
If you have a loan you are repaying well, you may be able to top it up. The old balance is settled from the new loan.
Move the sliders to see an estimate. It is not an offer.
Your estimated repayment
UGX 4,583/month
The estimate uses the salary loan's 10% flat charge and leaves out any fees. Your quote shows the exact amount, fees and each instalment before you accept.
Interest never goes above 2.8% a month.
Amount, interest, fees and every instalment, in whole shillings.
A confirmed recommendation, plus guarantors and collateral for the loan.
Each repayment is recorded and receipted, so you can see your balance fall.
Start at the application page on this website, in the mobile app, or with a loan officer. You tell us what you need, how you earn and who recommends you. An officer then follows up to complete the application with you.
A valid national ID and proof of how you earn, such as a payslip or trading records. You will also give the details of your recommender and, for each loan, your guarantors and any collateral. An officer tells you exactly what your loan needs.
We do not promise a fixed time, because your recommendation and guarantors have to be reached and confirmed by people. Your officer tells you where your application stands at each stage.
The cost is quoted to you before you sign: the amount, the interest, any fees and every instalment, in whole shillings. By law, interest cannot exceed 2.8% a month (Legal Notice No. 21 of 2024), and we do not price above it. If an onboarding fee applies when you register, you see it and confirm it before registration is submitted.
We assess affordability against your net income and existing commitments. Lower salaries can still qualify for smaller facilities, reach out and we will be straight with you about what is possible.
We look at what you can afford after your existing commitments. A lower income can still qualify for a smaller loan. An officer will tell you plainly what is possible.
To your own MTN MoMo or Airtel Money number, or to your bank account. A group loan is paid only into the account the group has registered, never to one member.
Answer three questions and we will point you to the loan that suits how you earn.
