Confirmation
You receive an acknowledgement within 2 hours of submitting.
Start here
Apply for your
Kredibility facility.
One form. Clear next steps. The credit team responds within 24 hours of receiving your complete application.
One form. Clear next steps.
After submission, the team reviews your details, contacts you to confirm documents and schedules the affordability assessment.
✓ 24-hour payroll decisions
✓ RBZ-licensed institution
✓ Your data is protected
✓ No obligation assessment
Loan terms: 10% interest on SSB, Individual/SME and collateral-based loans · 5% admin fee deducted on disbursement · 1–6 month tenure · No application fee.
Who can apply for a loan at Kredibility Finance?
Civil servants, private sector employees, SME operators, commission-based professionals and asset-backed borrowers may apply if they have verifiable income and meet our affordability requirements.
Is Kredibility Finance registered with the RBZ?
Yes. Kredibility Finance is a registered credit-only microfinance institution operating under Zimbabwe's Microfinance Act and supervised by the Reserve Bank of Zimbabwe.
How fast is loan approval?
Payroll-backed applications are typically decided within 24 hours of receiving complete documentation. SME and asset-backed facilities usually require 48 to 72 hours.
What documents do I need?
You will need a national ID, proof of income, employer or business confirmation, bank account details and the completed application form.
Do I need a payslip?
A payslip is required for payroll-backed and private sector salary loans. SME and asset-backed applicants may use other verifiable income records.