A loan that fits how
Zimbabweans actually earn.
Salary loans from $20 for civil servants and pensioners. Working capital from $50 for vendors and market traders. Up to $10,000 for growing SMEs. USD loans with rates published upfront, disbursed in as little as 48 hours.
Banks weren't built for a market stall.
Most lenders want title deeds, audited accounts and a payslip from a big employer. If you sell vegetables at Mbare, run a tuckshop, or draw a government pension, that leaves you out. We appraise what you actually have: your trading record, your mobile money history, your orders, your guarantors. That is the whole idea.
Simple products. Honest terms.
No hidden charges, no branch queues, no waiting weeks for an answer.
Fast approval
Apply online and get a decision quickly. No branch visits required.
Multiple loan types
SSB civil servants, government pensioners, private payroll, microloans, and SME lending.
Licensed & regulated
A credit-only microfinance operating under proper regulatory licensing.
Shop now, pay later
Eligible ClicknPay Marketplace purchases can be split over 3 months at checkout, powered by ClickEasy.
What you can borrow
Real numbers upfront. Every product carries a 6% admin fee, and you can settle early at no penalty.
1 to 12 months at 12% per month, reducing balance. Just your ID and payslip.
1 to 6 months at 10% per month, reducing balance. Repaid through your payslip.
Group loans from $50 and micro loans up to $2,000, at 10% flat with a guarantor.
Working capital, order finance and farm project loans from 8% flat per month.
Made for the people who keep Zimbabwe trading
From the payroll office to the market table, our products follow how you earn.
Fruit and vegetable vendors
Short-term finance for stock, market trading, and working capital.
Street vendors
Vendor and group loans supported by guarantors and trading history.
Salary-based clients
SSB, pensioner, and payroll loans for verified income earners.
Informal businesses and SMEs
Micro, SME, asset finance, agriculture, and order finance products.
Apply your way
Website, USSD, WhatsApp, or a branch. If reading long forms is hard, call us and talk it through instead.
USSD
Dial *788# on the ClicknPay menu and select ClickEasy Loans.
WhatsApp chatbot
Chat with our bot to register and apply, guided step by step.
Website
Complete salary, micro, SME, and vendor forms online, then print or download your summary.
Branch
Walk in to any of our branches and apply in person.
Repay online, via USSD, WhatsApp, or bank rails
Repay online, via USSD, or through WhatsApp, with step-by-step instructions for every channel. These are options still uncommon among Zimbabwean MFIs.
Three steps between you and your money
Most SSB and pensioner loans are approved and paid out within 48 hours.
Apply your way
Via USSD, WhatsApp, our website, or in branch, with your ID, payslip, and bank details.
Get approved
SSB and pensioner loans can be approved within 24 hours while SSB is running.
Get paid
Funds are disbursed and repayments are structured over 12 months.
Know your numbers before you commit.
Run your figures on the calculator, then apply in about ten minutes. You can stop at any point before signing.