Products & Services

Microfinance that
fits real life.

Savings, personal and business loans, group lending, logbook and asset finance — explained clearly before you apply.

Savings

Savings

Voluntary and goal savings for school fees, stock or an emergency. Build a record that can support a later loan.

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Personal loans

Personal loans

Transparent instalments for urgent household needs, assessed on income and character.

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Business loans

Business loans

Working capital for stock, contracts and expansion without waiting for month-end cash.

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Group & VICOBA loans

Group & VICOBA loans

Collective lending for registered groups. Members guarantee each other and grow limits together.

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Logbook loans

Logbook loans

Use your vehicle as security, keep driving it, and access cash in as little as 6 hours.

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Asset finance

Asset finance

Acquire equipment, machinery or commercial vehicles and repay from the income they create.

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Loans anywhere

Loans anywhere

Apply from wherever you are in Tanzania. Dunamis is microfinance, not remittance — we lend, we do not send money.

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Who can apply

  • Tanzanian adults with a national ID / NIDA number
  • Proof of income, business activity or group membership
  • A reachable phone number and a place of residence we can verify
  • Registered groups need minutes, a resolution to borrow and official IDs

Documents we usually ask for

  • National ID / NIDA number for all signatories
  • Recent M-Pesa or statement records (about 3–6 months)
  • Proof of residence and, for loans, a simple use-of-funds note
  • Logbook, asset quotation or group papers where the product requires them

Rates, fees and repayment

Every product has an interest rate, fees and a repayment schedule confirmed in writing before you sign. We do not add hidden charges. Late payment may attract a penalty stated in your facility letter, and we report to credit reference bureaus as required by law.

How to get started

1

Choose a product or talk to a loan officer

2

Submit an application with your documents

3

Receive a decision — in most cases within 6 working hours

4

Sign, get disbursed, and repay on the agreed dates

Apply now