Payroll-Backed Loans
Structured facilities secured through approved payroll deduction. Designed for civil servants and government employees. No collateral required — your salary is your security.
Full details →Loan Products
Credit, precisely
structured for you.
Compare all Kredibility loan products, estimate your repayments and apply in minutes.
All Products
Five ways we can help you grow.
Choose the facility that matches your income type, purpose and repayment profile.
Private Sector Employee Loans
Short to mid-term credit built around employer confirmation and salary verification. For formally employed private sector workers in any industry.
Full details →SME & Micro-Enterprise Loans
Working capital facilities for businesses with verifiable cash flow. Assessed on your revenue, not a payslip. For traders, shop owners, contractors and growing enterprises.
Full details →Asset-Based Micro-Loans
Facilities secured against durable goods, vehicles or equipment. Use what you own to unlock the credit you need, with transparent terms and RBZ compliance.
Full details →Emergency & School Fees Loans
Fast, short-term credit for when life can’t wait. School fees, medical bills, urgent repairs — structured repayments built around your income.
Full details →Compare
Find the right facility.
| Product | Who it is for | Security | Approval time | |
|---|---|---|---|---|
| Payroll-Backed Loans | Civil servants & government employees | Payroll deduction | 24 hours | View → |
| Private Sector Employee Loans | Private company employees | Salary-backed | 24–48 hours | View → |
| SME & Micro-Enterprise Loans | Shop owners, traders, contractors | Cash flow verified | 48–72 hours | View → |
| Asset-Based Micro-Loans | Asset owners | Asset-secured | 48–72 hours | View → |
| Emergency & School Fees Loans | Anyone with urgent needs | Income verified | 24 hours | View → |
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Indicative only. Final terms are confirmed after verification and approval.
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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.
Are fees disclosed upfront?
Yes. All pricing, fees, repayment expectations and documentation requirements are disclosed before any facility is finalised.
How do repayments work?
Payroll facilities use approved stop-order deduction mechanisms. SME and asset-backed facilities follow documented repayment schedules agreed at the outset.
What is a stop order?
A stop order is an approved repayment instruction where agreed amounts are deducted directly from the borrower's payroll income each month.
Where is Kredibility Finance located?
We are based at Club Chambers, 11th Floor, Corner Third and Nelson Mandela Avenue, Harare, Zimbabwe. Mon–Fri 08:00–17:00, Saturday 09:00–13:00.