Everything you need to know
about Kredibility loans.

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.

A payslip is required for payroll-backed and private sector salary loans. SME and asset-backed applicants may use other verifiable income records such as bank statements or business trading records.

This depends on your affordability position. Kredibility conducts a thorough assessment and will only approve a facility that is within your means to repay comfortably.

Facilities are structured around your verified income and affordability position rather than a fixed minimum. Contact the credit team to discuss your situation.

Kredibility offers five facility types: payroll-backed personal loans, private sector employee loans, SME and micro-enterprise financing, asset-based micro-loans, and emergency and school fees financing.

Loan amounts are determined by your verified income, affordability assessment and the facility type. Contact the credit team to discuss the amount appropriate for your situation.

All pricing is disclosed upfront before any facility is finalised. Rates are set within RBZ-compliant guidelines. Contact us for current indicative rates based on your profile and chosen facility.

Early repayment options are discussed at the time of facility structuring. All terms are documented and disclosed before you sign.

You can apply online via this website, call or WhatsApp the credit team, or visit the Harare office at Club Chambers, 11th Floor, Corner Third and Nelson Mandela Avenue. The online application is the fastest way to start.

Payroll-backed applications are typically decided within 24 hours of receiving complete documentation. SME and asset-backed facilities usually require 48 to 72 hours.

You will need a national ID, proof of income (payslip, bank statements or business records), employer or business confirmation, bank account details and the completed application form.

Yes. Complete the online application form on this website and the credit team will contact you to verify details and collect supporting documents.

The credit team acknowledges receipt, contacts you to confirm or request documents, conducts the affordability assessment and provides a decision.

Payroll facilities use approved stop-order deduction mechanisms. SME and asset-backed facilities follow documented repayment schedules agreed at the outset.

A stop order is an approved repayment instruction where agreed monthly amounts are deducted directly from the borrower's payroll income — removing the need to remember manual payments.

This is discussed at the time of facility structuring. All terms around missed payments are documented and disclosed upfront. Contact the credit team immediately if you anticipate difficulty.

Yes. Kredibility Finance is a registered credit-only microfinance institution operating under Zimbabwe's Microfinance Act and supervised by the Reserve Bank of Zimbabwe.

RBZ registration details are available on request. Contact admin@kredibilityfinance.co.zw or visit our governance page for details about our regulatory framework.

Yes. All pricing, fees, repayment expectations and documentation requirements are disclosed before any facility is finalised. No surprises.

Kredibility Finance operates under Zimbabwe's Microfinance Act, is supervised by the RBZ, and is ZIMRA registered. All facilities are documented, transparently priced and structured within regulatory guidelines. Physical office at Club Chambers, Harare.

Club Chambers, 11th Floor, Corner Third and Nelson Mandela Avenue, Harare, Zimbabwe. Monday to Friday 08:00–17:00, Saturday 09:00–13:00.

Email admin@kredibilityfinance.co.zw, call +263 781 325 844, WhatsApp +263 772 000 000, or visit the Harare office. You can also use the contact form on this website.