Access up to UGX 5,000,000 directly to your mobile money account. No paperwork, no collateral, no waiting in lines.
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zubaLoan is designed for Ugandans, by people who understand your financial needs.
Receive your loan directly to MTN MoMo or Airtel Money upon approval. No bank account required.
Apply entirely from your phone. No forms to fill out, no documents to scan, no trips to the office needed.
Your data is protected with 256-bit encryption and strict privacy protocols. We never share your personal information.
Repay on time to unlock higher loan limits. Our smart algorithm rewards responsible borrowers with better rates.
Our customer support team is available around the clock to assist you with any questions or concerns.
Choose repayment terms that fit your schedule. Repay early with no penalties and save on interest.
From application to receiving funds — a simple, straightforward process.
Download the zubaLoan app from Google Play or App Store. Register with your phone number and national ID — quick and simple.
Choose your loan amount and repayment period. Our smart system instantly evaluates your eligibility and gives you a decision.
Once approved, funds are sent directly to your MTN MoMo or Airtel Money wallet. Use your money right away!
Flexible loan products tailored for every Ugandan's financial situation.
* Loan eligibility is subject to credit assessment. Interest rates and terms vary based on borrower profile and loan history. All rates disclosed before acceptance.
Join over 500,000 Ugandans who trust zubaLoan for their financial needs. Available for both Android and iOS devices.
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Have questions? We have answers.
Any Ugandan citizen aged 18 or above with a valid National ID and an active MTN MoMo or Airtel Money account can apply. You also need a smartphone with internet access to download and use our app.
New users can borrow between UGX 50,000 and UGX 500,000. As you build a repayment history with us, your credit limit increases up to UGX 5,000,000. Limits are determined by our credit assessment algorithm.
Interest rates vary depending on the loan product, amount, and repayment period. All rates are clearly shown before you accept the loan — there are no hidden fees. Rates typically range from 10% to 30% per month depending on your profile.
Repayment is done through MTN MoMo or Airtel Money directly from the app. You'll receive payment reminders before your due date. You can also repay early at any time with no penalty charges.
Missing a repayment will result in late fees and affect your credit score within our system, potentially reducing your borrowing limit. We encourage customers to contact our support team if they anticipate difficulty repaying.
Yes. We use industry-standard 256-bit encryption to protect all your data. We never sell or share your personal information with third parties without your consent. Please read our Privacy Policy for full details.
Have questions or need assistance? Our support team is available 24/7.