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
AL
Active
Asset Lending
Asset Lending
Own the asset over time. Pay monthly. Title transfers when fully paid.
Asset marketplaceAsset Lending
Loan limits
TSh 500,000 – TSh 100,000,000
Tenure
3–60 mo
Interest & profit
10.9% - 15.5% / mo
Processing time
24 – 48 Hours
At a glance
Overview
Own the asset over time. Pay monthly. Title transfers when fully paid.
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
- •Own the asset over time. Pay monthly. Title transfers when fully paid.
- •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 5,000
- Post-approval fees
- TZS 25,000
- Tiered monthly rate: 10.9% - 15.5% per month (by approved amount)
- At minimum amount: 15.5% 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
- Deposit confirmation — Collected before asset release
- Selected asset details — Pro-forma invoice or supplier quote
Estimate your repayments
Repayment calculator
Drag the sliders to preview your payment.
Amount
Tenure
mo
Weekly payment
Total repayment
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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.
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