Personal loans from ETB 5,000 and business capital up to ETB 2 million. Rates published up front, and money paid straight to Telebirr or M-Pesa.
11 ecosystem partners
Every loan comes with the facts up front: who regulates us, what it costs, and where your money goes.
Before you sign, you see each monthly payment: how much goes to principal, how much to interest, and what you still owe.
Build your own schedule| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | 8,722 | 8,014 | 708 | 91,986 |
| 2 | 8,722 | 8,070 | 652 | 83,916 |
| 3 | 8,722 | 8,128 | 594 | 75,788 |
| Months 4 to 11 | ||||
| 12 | 8,721 | 8,660 | 61 | 0 |
Approved money goes straight to you, and you repay the same way.
A regulated microfinance institution, not an unlicensed lending app.
Borrowing for yourself or your business, you see the same three things before you sign: the amount, the rate and the total you will repay.
Education, healthcare, emergencies and personal needs
Borrow ETB 5,000 to ETB 500,000
Example: ETB 50,000 over 12 months is ETB 4,361 a month at the advertised starting rate.
Working capital, inventory, equipment and expansion
Borrow ETB 10,000 to ETB 2,000,000
Example: ETB 500,000 over 24 months is ETB 23,537 a month at the advertised starting rate.
No branch visit and no queue. Every step leaves a written record you can come back to.
Verify your identity with your National ID or passport.
Personal or business. See the amount, rate and total repayment first.
We review your application and send the outcome, with final terms in writing.
Paid to Telebirr, M-Pesa or your bank account. Repay the same way.
Apply online and see the full cost before you commit, from a lender licensed by the National Bank of Ethiopia.
