Zimba Advance: start small, repay well, unlock more.
Verified customers can see a small, behaviour-based credit limit without first building a large savings balance. Review the full cost before accepting, then build a stronger limit through repayment.
Why Zimba Advance?
Your repayment builds trust
Start with a small limit. On-time repayment is the clearest path to more access.
0% Processing Fee, Always
Many lenders deduct 5–10% before you receive anything. With Zimba Advance, every shilling reaches your wallet. Zero deductions.
Declining Balance: Fair Math
Interest is calculated only on your remaining balance, not the original amount. As you repay, you owe less interest. That's the math the way it should be.
Clear before you accept
See the amount, price, repayment date, and next step before you accept. Every decision has a clear explanation.
Eligibility
- Verified identity (NIN or Passport)
- A Zimba account in good standing
- Verified mobile number
- 18+ years old
Start with a small limit. Your available amount is based on your verified profile and repayment behaviour.
Your available amount appears in the app before you confirm.
Repay well, access more: completed repayments can strengthen your next available limit.
Zimba Advance Examples
3.5% monthly declining balance · 0% processing fee · disbursed instantly
Borrow UGX 200,000
Repay UGX 207,000
1-month term (3.5% on 200K)
Borrow UGX 350,000
Repay UGX 362,250
1-month term
Borrow UGX 1,400,000
Repay UGX 1,449,000
1-month term
Life happens. If you're struggling to repay, reach out early. We'll work something out. Late payments beyond the due date carry a small 2% fee on the overdue amount only.
How to Apply
- 1
Open Zimba app and ensure you have a Growth Savings balance
- 2
Tap "Zimba Advance" and choose your amount
- 3
Review the declining-balance repayment schedule
- 4
Confirm — your advance is disbursed instantly to your Zimba Wallet
FAQs
What is the maximum I can access?
Up to UGX 5 million when you qualify — backed by your Zimba Growth Savings and disbursed instantly to your wallet.
How quickly do I receive the money?
Instantly. Once approved in the app, your advance is disbursed straight to your Zimba Wallet — no branch visit required.
What is the interest rate?
3.5% per month on the declining balance. No flat interest.
What if I repay early?
No early repayment penalty. You only pay interest for the days you've held the advance.
What happens if I pay late?
A 2% late fee on the overdue balance. Contact us early and we'll work something out.