Personal Loans

Emergency cash or planned expenses - we've got you covered. From 30-minute quick loans to 6-month flexible financing.

Choose Your Loan Type

Quick Loans

Emergency cash in 30 minutes

Amount:UGX 10,000 - 500,000
Interest:10% flat
Approval:30 minutes
Repayment:30 days
  • No collateral needed
  • Instant approval via app
  • Perfect for emergencies

Personal Loans

Flexible medium-term financing

Amount:UGX 50,000 - 5,000,000
Interest:10% flat
Approval:1-2 days
Repayment:Up to 6 months
  • Guarantor-based approval
  • Flexible repayment schedule
  • For planned expenses

How to Apply

  1. 1

    Open the Zimba app and go to "Loans"

  2. 2

    Choose your loan type and amount

  3. 3

    Complete application (Quick: instant, Personal: add guarantors)

  4. 4

    Get approved and receive money via mobile money

Loan Requirements

Quick Loans:

  • ✓ Active Zimba account
  • ✓ Valid National ID
  • ✓ Good repayment history (if returning)

Personal Loans:

  • ✓ Active Zimba account (3+ months)
  • ✓ Valid National ID or Passport
  • ✓ 2-3 guarantors (Zimba members)
  • ✓ Proof of income (optional but helpful)

💡 Tip: Build your credit history with Quick Loans before applying for larger Personal Loans.