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
EM
Active
Emergency Loan
Emergency Loan
When it cannot wait. Disbursed in hours after KYC clears.
Apply nowEmergency Loan
Loan limits
TSh 50,000 – TSh 3,000,000
Tenure
1–6 mo
Interest & profit
18% - 20% / mo
Processing time
4 – 24 Hours
At a glance
Overview
When it cannot wait. Disbursed in hours after KYC clears.
Who is this for?
Designed for Individual 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
- •When it cannot wait. Disbursed in hours after KYC clears.
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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: 18% - 20% per month (by approved amount)
- At minimum amount: 20% 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
- Emergency type — Provided during application
- Supporting evidence — Hospital bill, fee letter, etc.
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