Loan Products
Financing built around your needs
Designed by industry specialists and developed to address the everyday problems of microfinance customers.
Emergency Loan
An emergency loan is a fast, short-term financial bridge that helps you through unexpected hardship without falling deeper into debt. It is not meant for long-term goals but for urgent needs: business expenses, medical bills, school fees, car repairs or unforeseen housing issues.
The loan runs for one month and is repaid in a single payment at the end. If you need more time, you can extend it by one more month by paying the full interest due, or part of the principal together with the interest.
- Amount
- TZS 50,000 – TZS 10,000,000
- Interest
- 3.5% per month, reducing balance
- Period
- 1 month, extendable by a further month
- Repayment
- One payment at the end of the month
Security: Self-guarantee, or a motor vehicle or land title deed
Who can apply
- An individual aged 18 or over who guarantees the loan themselves.
- An individual who owns a motor vehicle or a land title deed that can be used as collateral for the loan.
Sokoni Loan
Sokoni loans meet the credit needs of micro-entrepreneurs who run their businesses in the market (sokoni), regardless of gender, literacy level or business turnover. They finance both existing businesses and new micro-enterprises.
Repayments are made daily so that each instalment stays small and affordable, over a period of four weeks. Self-guarantee is the main form of security: no collateral is surrendered, but some home appliances are listed on the loan application form.
- Amount
- TZS 50,000 – TZS 1,000,000
- Interest
- 3.5% per month, reducing balance
- Period
- 4 weeks
- Repayment
- Small daily instalments
Security: Self-guarantee; home appliances listed on the application form
Who can apply
- A micro-entrepreneur running a business in a market area within reach of our office.
- A valid registered business space ("meza ya biashara") from the market authority.
Salaried Workers Loan
The Salaried Workers Loan is an unsecured loan for contractual and permanent employees of government and private institutions. You don’t pledge any collateral. Instead, once Finfix has signed a binding agreement with your employer, your salary is channelled through Finfix’s bank account to repay the loan.
The loan runs for three to six months and is repaid in monthly instalments, so each payment stays manageable.
- Amount
- TZS 100,000 – TZS 10,000,000
- Interest
- 3.5% per month, reducing balance
- Period
- 3 to 6 months
- Repayment
- Monthly instalments
Security: No collateral; salary is channelled through Finfix
Who can apply
- A salaried employee of a government or private institution.
- An employee whose employer has a contractual agreement with Finfix Financial Services.
Loan Calculator
Estimate your repayment
Choose a loan and an amount to see roughly what you would repay.
Repay at the end of 1 month
TZS 0
- Interest rate
- 3.5% per month
- Method
- Reducing balance
- Total interest
- TZS 0
- Total to repay
- TZS 0
This is an estimate. Your final repayment schedule is confirmed by our loan officers when your loan is approved.
Ask about this loanOther services
Financial Literacy Seminars
Beyond providing loans, we run financial literacy seminars for our customers, free of charge, before and after they receive financial support from us.
The seminars help customers of all ages understand saving, investing and debt, building an overall sense of financial wellbeing and self-confidence.
Mobile Money & Agent Banking
Finfix has partnered with the mobile money providers Vodacom M-Pesa, Mixx by Yas (formerly Tigo Pesa), HaloPesa and Airtel Money, and acts as a banking agent for NMB and CRDB.
This gives our clients convenient access to loan applications, repayments, account management and other services through the agent banking services available at our office.