Six loans, one clear rate
Every loan type we offer carries the same 5% monthly reducing-balance rate and the same honest terms. No surprises.
- Loan amount
- RWF 300,000 – 20,000,000
- Interest rate
- 5% / month (reducing balance)
- Repayment period
- Agreed with you
Plots & House Loan
Whether you are buying a plot to build on or securing a house for your family, our Plots & House Loan gives you the capital to act quickly. We work with you to agree a repayment schedule that fits your income — weekly, fortnightly, or monthly — so ownership feels manageable from day one. Loans start at RWF 300,000 and go up to RWF 20,000,000 depending on your affordability assessment.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
Emergency Loan
Life doesn't give advance notice. Our Emergency Loan is designed to get money into your hands as quickly as possible — often the same day you apply — so you can deal with the situation without the extra stress of a slow process. We keep the paperwork minimal and the decision fast. Tell us what you need and we will find a repayment rhythm that works for you.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
Business Loan
From market traders needing to restock before a busy season to small shop owners expanding their range, our Business Loan supports individual entrepreneurs across Rwanda. Borrow from RWF 300,000 up to RWF 20,000,000. We assess your business records openly and agree a repayment plan around your trading cycle — so repayments go out when money is coming in.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
Personal Loan
Whatever life brings — school fees, a ceremony, home renovations, or simply a gap you need to bridge — our Personal Loan puts the money in your account with clear, agreed terms. There are no hidden charges. Interest is charged at 5% per month on the reducing balance, and we agree the repayment period together before you sign anything.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
Salary Loan
If you are employed and need funds before your next pay cheque, our Salary Loan is the quickest route. We verify your income, agree an amount, and disburse — often the same day. Repayments are structured to align with your salary dates so you are never caught short. Suitable for civil servants, private-sector employees, and anyone with a regular, verifiable income.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
Car Loan
Whether you need a car for daily commuting, running a delivery business, or family transport, our Car Loan helps you get on the road without draining your savings. Borrow up to RWF 20,000,000. We agree the repayment schedule around your income so monthly instalments are predictable. The flat 5% monthly interest means you always know exactly what you owe.
Good for
- Amount
- RWF 300,000 – 20,000,000
- Rate
- 5% / month (reducing balance)
- Term
- Agreed with you
How our interest works
We charge 5% per month on the remaining balance — not the original amount. As you repay, the interest portion of each payment shrinks and more goes toward the principal. Every payment is equal, and you see the full schedule before you sign anything.
Worked example
Borrow RWF 1,000,000 for 4 months
- Principal
- RWF 1,000,000
- Monthly payment
- ≈ RWF 282,012
- Total interest
- ≈ RWF 128,047
- Total repayment
- ≈ RWF 1,128,047
Because interest is charged on the reducing balance, the interest portion of each payment shrinks as you repay — but your payment stays the same every month.
This is an illustration. Your exact payment and schedule depend on the amount and period you agree with us, and the full schedule is shown before you sign.
Try it yourself
See your own monthly payment
- Loan amount
- RWF 1,000,000
- Monthly payment
- RWF 282,012
- Total interest
- RWF 128,047
- Total repayment
- RWF 1,128,047
This is an estimate. Your exact schedule is confirmed with you before you sign anything.
Apply for this amountRepaying your loan
We don't force you into a one-size-fits-all schedule. Repayments can be made daily, weekly, or monthly — whichever matches your income pattern. We agree the schedule with you before the loan is disbursed, and it is written into your agreement so there is no ambiguity. If your circumstances change, contact us early and we will work with you.
What you need to apply
We keep the requirements minimal — just enough for us to assess your application fairly.
National ID
A valid Rwandan national identity card.
Proof of income
A recent payslip, bank statement, or business records showing your regular income.
Account details
Your mobile money number (MTN or Airtel) or bank account for disbursement.
Loan purpose
A brief explanation of what the funds are for — this helps us find the right product and amount for you.