Frequently asked questions

You can apply online in just 5 minutes. Download our app or visit our website, create an account, verify your identity, and submit your application. You'll receive a decision within 24-48 hours.

You'll need a valid Ethiopian ID (Kebele ID or Passport), proof of income (payslip or business records), and a registered mobile money account for disbursement.

Most applications are reviewed within 24-48 hours. Instant loans can be approved in as little as 5 minutes for returning customers with good standing.

Loan amounts range from ETB 5,000 to ETB 2,000,000 depending on your credit profile, income, and loan type. First-time borrowers typically start with smaller amounts.

Personal loans start from 8.5% APR and business capital from 12% APR, depending on the loan product and your credit profile. All rates are clearly disclosed before you accept any loan offer.

Repayments are made via mobile money (Telebirr, M-Pesa), bank transfer, or through our agent network. You can also set up automatic deductions from your salary.

Late payments incur a fee of 2% of the overdue amount. We encourage you to contact us early if you're having difficulty—we offer restructuring options.

Yes. We use bank-grade 256-bit encryption for all data transmission and storage. Your information is never sold to third parties.

Only authorized Duruj staff can access your account information. We share data with credit bureaus for credit reporting as required by Ethiopian law.

We offer partnership programs for employers, merchants, MFIs, and SACCOs. Visit our Partner Portal or contact partnerships@duruj.et to learn more.

Agents earn commission on every successful loan referral. Apply through our Partner Portal with your business registration and two references.