Overview
Asset-Based Micro-Loans
Facilities secured against vehicles, equipment, durable goods or structured asset purchases. The asset provides security, allowing Kredibility to structure credit even where income documentation is limited.
Loan Product
Use your assets to unlock credit.
Own a vehicle, equipment or durable goods? Kredibility can structure a secured facility against your asset — transparently priced and RBZ-compliant.
Who qualifies?
Asset owners across Zimbabwe
Applicants should hold a durable asset of sufficient value — vehicle, equipment, business machinery or goods. Asset verification and basic income documentation are required.
Key benefits
Why this product works for you
- Asset-secured for larger facility potential
- Asset is preserved during the repayment period
- Suitable where payslip documentation is limited
- RBZ-licensed and transparently structured
- Flexible repayment terms
What you need
Documents required to apply
Having these ready speeds up your application significantly.
- National ID
- Asset ownership proof (logbook, receipt or certificate)
- Asset description and estimated value
- Basic income or revenue documentation
- Completed application form
Calculator
Estimate before you apply.
Indicative only. Final terms are confirmed after verification and approval.
Estimated monthly payment
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How it works
Getting your facility is simple.
Apply, verify, assess, receive funds — built to be clear from the first step.
Apply
Tell us who you are and what facility you need.
Verify
We confirm identity, income and supporting documents.
Assess
Affordability is checked around your actual income.
Receive Funds
Approved funds are disbursed with terms disclosed upfront.
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.
Can I apply online?
Yes. Complete the online application form and our credit team will contact you to verify details and collect supporting documents.