Affordable credit, built around your life
Four purpose-designed loans with member-friendly rates and a fast, transparent process. Estimate your repayment below, then apply in minutes.
Loan Calculator
Estimate your indicative monthly repayment.
Indicative monthly repayment
TZS 155,000
- Interest rate
- 12% p.a. (flat)
- Total interest
- TZS 720,000
- Total repayable
- TZS 3,720,000
Figures are indicative and for illustration only. Final terms are confirmed on application.
Community Development Loan
Supports members in acquiring land, building or improving homes, and investing in durable, income-generating assets that strengthen long-term financial standing.
12% p.a.
12–48 months
TZS 30,000,000
Build homes, land
Eligibility
- Active membership for at least 6 months
- Consistent monthly contributions
- Share capital fully or substantially paid
- Guarantor(s) who are members in good standing
Required documents
- Completed loan application form
- Copy of national ID
- Recent employment confirmation letter
- Proof of purpose (e.g. land/title documents)
- Guarantor forms
Application process
- 01
Submit application with required documents
- 02
Credit committee review & guarantor confirmation
- 03
Approval notification within 5–7 working days
- 04
Disbursement to your savings account
Emergency Loan
Provides quick access to funds for unforeseen and urgent situations, giving members immediate financial relief with a fast, simplified approval process.
14% p.a.
3–12 months
TZS 5,000,000
Fast help when
Eligibility
- Active membership in good standing
- No overdue loan obligations
- Sufficient savings/share balance
- One guarantor for larger amounts
Required documents
- Completed loan application form
- Copy of national ID
- Brief statement of the emergency
Application process
- 01
Submit the short application form
- 02
Fast-track review (same or next day)
- 03
Approval within 24–48 hours
- 04
Immediate disbursement
Education Loan
Enables members to meet school, college, and professional training costs for themselves and their children, investing in education as a foundation for future prosperity.
11% p.a.
6–24 months
TZS 12,000,000
Invest in school,
Eligibility
- Active membership for at least 3 months
- Consistent monthly contributions
- Admission letter or fee structure
- Guarantor who is a member in good standing
Required documents
- Completed loan application form
- Copy of national ID
- Admission letter / fee structure
- Employment confirmation letter
- Guarantor forms
Application process
- 01
Submit application with fee documents
- 02
Credit committee review
- 03
Approval within 3–5 working days
- 04
Disbursement (often directly to the institution)
Health & Medical Loan
Helps members cover medical treatment, hospital bills, and health-related emergencies, ensuring that the wellbeing of members and their families is never delayed by cost.
12% p.a.
4–18 months
TZS 8,000,000
Care for you
Eligibility
- Active membership in good standing
- No overdue loan obligations
- Medical documentation where applicable
- One guarantor for larger amounts
Required documents
- Completed loan application form
- Copy of national ID
- Medical report or hospital invoice
- Employment confirmation letter
Application process
- 01
Submit application with medical documents
- 02
Priority review by the credit committee
- 03
Approval within 1–3 working days
- 04
Rapid disbursement
Not sure which loan is right for you?
Our credit team will help you choose the product and repayment plan that fits your needs and budget.