SAL-12
Coming soonSalary Advance
Payroll-deducted loan for salaried employees up to 12 months.
Monthly rate
3.5% / mo
Amount
TSh 300,000 – TSh 600,000
← All loan products
AB
Active
Asset-Backed Loan
Asset / Business
Use a vehicle, machine or property as security to unlock larger capital at the best rates.
Apply nowAsset / Business
Loan limits
TSh 500,000 – TSh 100,000,000
Tenure
3–60 mo
Interest & profit
11% - 15% / mo
Processing time
24 – 48 Hours
At a glance
Overview
Use a vehicle, machine or property as security to unlock larger capital at the best rates.
Who is this for?
Designed for Asset borrowers who need flexible, transparent financing through our mobile platform.
- ✓Generous loan limits for verified borrowers
- ✓Apply and manage everything from your phone
- ✓All fees disclosed before you sign
- •Use a vehicle, machine or property as security to unlock larger capital at the best rates.
- •Collateral required
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Active membership
Valid Kopafasta membership or renewal in grace period
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Verified identity
NIDA verification and face match completed
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Proof of income
Bank statements, payslips, or business records as applicable
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Guarantor(s)
One or more guarantors collected during application
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Collateral documentation
Asset photos, logbook, or title deed as required
- Application fee
- TZS 25,000
- Post-approval fees
- TZS 125,000
- Tiered monthly rate: 11% - 15% per month (by approved amount)
- At minimum amount: 15% per month
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📄
National ID (NIDA)
Verified through our identity system
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📄
Proof of income
Bank statements, payslips, or business records
- Asset photos — Multiple angles of the collateral
- Ownership documents — Logbook or title deed
- Insurance cover — Comprehensive insurance certificate
Estimate your repayments
Repayment calculator
Drag the sliders to preview your payment.
Amount
Tenure
mo
Weekly payment
Total repayment
Rate at this amount:
Apply nowFrequently asked questions
Most applications are reviewed within 24–48 hours. Emergency products may be faster.
Many products offer tiers without collateral. Check the eligibility section for this product.
Our team reviews your application, may request additional documents, and notifies you when approved for disbursement.
Other loan products
IL
ActiveIndividual Loan
Individual Loan
Monthly rate
13.3% - 19% / mo
Amount
TSh 100,000 – TSh 50,000,000
GL
ActiveGroup Loan
Group Loan
Monthly rate
12.6% - 18% / mo
Amount
TSh 400,000 – TSh 10,000,000