Loan Product
Medical bills, school fees or urgent repairs should not derail your financial stability. Kredibility offers short-term emergency facilities with honest repayment structures built around your income.
Overview
Short-term facilities designed for urgent, time-sensitive needs. School fees, hospital bills, vehicle repairs, household emergencies — structured around predictable repayment models and your verified income.
Who qualifies?
Applicants need verifiable income — whether from employment, business activity or documented assets. The facility is sized to what you can afford to repay over a short, defined period.
Key benefits
What you need
Having these ready speeds up your application significantly.
Seasonal reminder
Applications for school fees financing typically spike in January, April and September at the start of each term. Apply early to ensure your facility is in place before fees are due.
Apply for school fees financingCalculator
Indicative only. Final terms are confirmed after verification and approval.
Estimated monthly payment
$0How it works
Apply, verify, assess, receive funds — built to be clear from the first step.
Tell us who you are and what facility you need.
We confirm identity, income and supporting documents.
Affordability is checked around your actual income.
Approved funds are disbursed with terms disclosed upfront.
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.
Yes. Kredibility Finance is a registered credit-only microfinance institution operating under Zimbabwe's Microfinance Act and supervised by the Reserve Bank of Zimbabwe.
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, employer or business confirmation, bank account details and the completed application form.
A payslip is required for payroll-backed and private sector salary loans. SME and asset-backed applicants may use other verifiable income records.
Yes. Complete the online application form and our credit team will contact you to verify details and collect supporting documents.
