Loan products

Loans built for Tanzania.

Pick the facility that matches your situation. Fair rates, clear terms, no surprises.

3.5%
per month
Loan type 01

Wafanyakazi

Salary-backed loans for civil servants, teachers, NGO and corporate employees. Borrow up to 12 times your monthly salary with repayments made by direct payroll deduction.

3.5% per month rate
TSh 300K to 20M
Term: up to 12 months
Decision within 72 hours
Zero application fees
Top-up after 50% repaid
3.5%
per month
Loan type 02

Wafanyabiashara

Working capital for small and medium enterprises. Finance stock, equipment, expansion or urgent business needs — secured against a property title or vehicle logbook.

3.5% per month rate
TSh 500K to 20M
Term: up to 12 months
Decision within 72 hours
Collateral: title or vehicle
Emergency top-up available
3.5%
per month
Loan type 03

Kanisa

Construction, vehicle purchase and ministry loans for churches and faith organisations. Repaid through tithes and offerings, with formal leadership board approval required.

3.5% per month rate
TSh 500K to 20M
Term: up to 12 months
Decision within 72 hours
Collateral: plot, property or vehicle
Leadership board resolution required
New product
Loan type 04

House Plus

A loan built around everything to do with a home — paying rent, buying a plot, rehabilitating or finishing a building, furnishing it, and capital for an Airbnb business.

House rent
Plots
House rehabilitation
House finishing
Household furniture
Airbnb business capital
In development
Loan type 05

Agribusiness

Horticulture and livestock financing — for poultry keepers and growers of fruit and vegetables. This product is still being developed, and its full terms will be published shortly.

Poultry keeping
Fruit farming
Vegetable growing
Terms being finalised
Side by side

Compare our three core loans

Feature Wafanyakazi Wafanyabiashara Kanisa
Loan amount TSh 300K – 20M TSh 500K – 20M TSh 500K – 20M
Loan term Up to 12 months Up to 12 months Up to 12 months
Monthly interest rate 3.5% 3.5% 3.5%
Collateral Salary Title / vehicle Church property
Approval time 48 hours 72 hours 72 hours
Application fee Free Free Free
Repayment method Payroll deduction / M-Pesa Bank transfer or M-Pesa Offerings / bank
Ready to apply?

Choose your loan and start today.