If you receive regular remittances from a relative abroad, you may already qualify for a micro-loan of USD 50–500 — no collateral, no bank account, no paperwork queues. Everything happens on WhatsApp.
Simple by design
Message the Uhuru number and register in minutes. All you need is your phone and your national ID.
Send photos of your last 6 months of remittance receipts (Mukuru, WorldRemit, Western Union and others). We use them to understand your inflow — they are never shared.
Our scoring looks at how regularly money arrives — not payslips or collateral. You'll see exactly how much you qualify for and exactly what you'll repay.
Approved loans are disbursed straight to your wallet — spend via EcoCash, bank transfer or merchant payments.
Repayments are scheduled around the dates money usually arrives, and every on-time payment builds your credit history for bigger loans.
Fair & transparent
Between USD 50 and USD 500, based on the size and regularity of the remittances you receive. Repay on time and your limit grows.
One clear, flat fee agreed before you accept the loan — no hidden charges, no compounding surprises. You'll always see the total amount to repay upfront.
No. Your remittance history is your track record. Funds arrive in your Uhuru Wallet, which links to EcoCash and bank accounts if you have them.
Talk to us on WhatsApp before the due date — we'll work out a plan. We are building long-term credit histories, not debt traps, and we never use aggressive collection tactics.
We completed the Reserve Bank of Zimbabwe's Fintech Regulatory Sandbox and are applying for a Credit-Only Microfinance licence. Read more on our Regulation & Trust page.
Launching soon
Be first in line when lending opens. We'll message you on WhatsApp the day applications go live.