From application to disbursement — step by step
Every stage is visible in your dashboard. You always know where you stand and what happens next.
- 6 clear stages
- Timestamped progress
- Payment never guarantees approval
Six steps, fully tracked
No hidden stages — each milestone is recorded with timestamps in your account.
Register & complete your profile
Create an account with your email and Tanzanian phone number, then add personal, next-of-kin and employment details. Your NIN is encrypted and never shown in full.
Submit your loan application
Choose a product, amount and repayment period. On submit, the system scores your eligibility and records an auditable calculation snapshot.
Review decision & terms
If eligible, you receive clear terms: approved amount, period, processing fee and repayment schedule. You can decline at any point before accepting.
Pay the processing fee (if you proceed)
Pay using the provided till/reference, then submit your confirmation code. Our team (or a provider webhook) verifies the payment.
Final review & decision
After payment verification, your application undergoes final review. Payment does not by itself guarantee approval.
Disbursement & repayment
Approved loans are disbursed via mobile money or bank transfer. Your repayment schedule activates and progress is tracked in your dashboard.
Before you apply
Have these ready to move through the process smoothly.
- Valid Tanzanian phone number & email
- National Identification Number (NIN)
- Proof of income or employment details
- Next of kin with a reachable phone number
- Loan purpose and realistic amount
- Ability to repay on the chosen schedule