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
EL
Active
Education Loan
Education Loan
For tuition, books and education pathways. Term-aligned repayments.
Apply nowEducation Loan
Loan limits
TSh 50,000 – TSh 15,000,000
Tenure
1–24 mo
Interest & profit
11.2% - 16% / mo
Processing time
24 – 48 Hours
At a glance
Overview
For tuition, books and education pathways. Term-aligned repayments.
Who is this for?
Designed for Education borrowers who need flexible, transparent financing through our mobile platform.
- ✓No collateral required for qualifying tiers
- ✓Generous loan limits for verified borrowers
- ✓Apply and manage everything from your phone
- ✓All fees disclosed before you sign
- •For tuition, books and education pathways. Term-aligned repayments.
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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
- Application fee
- TZS 5,000
- Post-approval fees
- TZS 11,500
- Tiered monthly rate: 11.2% - 16% per month (by approved amount)
- At minimum amount: 16% 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
- School / institution name — Provided during application
- Admission or fee letter — Upload or reference during application
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