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
IL
Active
Individual Loan
Individual Loan
Fast personal capital for any verified individual. No collateral for small tiers.
Apply nowIndividual Loan
Loan limits
TSh 100,000 – TSh 50,000,000
Tenure
1–36 mo
Interest & profit
13.3% - 19% / mo
Processing time
24 – 48 Hours
At a glance
Overview
Fast personal capital for any verified individual. No collateral for small tiers.
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
- •Fast personal capital for any verified individual. No collateral for small tiers.
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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 10,000
- Post-approval fees
- TZS 26,000
- Tiered monthly rate: 13.3% - 19% per month (by approved amount)
- At minimum amount: 19% 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
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.
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