Salary-Backed Loan
For employees whose employer has an active MOU with Skaicom, repaid conveniently through payroll.
- TZS 100,000–10,000,000
- 3–12 month terms
- No collateral required
A Tanzania-focused microfinance provider
Practical finance.
Designed for progress.
Skaicom Microfinance Limited is building accessible financial products for individuals, employees, students and growing businesses—with clarity at every step.
Clear product information Responsible access Tanzania-focused
YOUR LOAN PLANExample
TZS 2,500,000Plan clearlyRepay confidently
01
Choose an option
02
Prepare documents
Clear first.
Commit second.
Commit second.
LOAN OPTIONS
A practical fit for your next move.
Salary-backed loans are available now. Our business, personal, student and vehicle products are being prepared for launch.
Business Loan
Working capital to restock, fulfil orders or strengthen daily operations.
- Designed for small businesses
- Practical working capital
- Terms to be announced
Personal Loan
Flexible support for planned expenses, urgent needs and important life moments.
- Flexible purpose
- Clear repayments
- Terms to be announced
Student Loan
Planned financing to help eligible students manage education-related costs.
- Education-focused
- Structured repayments
- Terms to be announced
Vehicle Loan
A future financing option for customers planning to acquire a vehicle.
- Vehicle-focused
- Guided assessment
- Terms to be announced
WHY SKAICOM
Finance should feel understandable before it feels possible.
Skaicom Microfinance Limited is developing a broader range of responsible financial products for Tanzanian customers. Salary-backed lending is available now, with business, personal, student and vehicle finance planned next.
Explore our productsA SIMPLE PATH
01
Explore
See which Skaicom products are available now and which are coming soon.
02
Understand
Review the relevant terms, eligibility rules and repayment examples.
03
Apply
Eligible customers complete registration and KYC through NestFinance.