If you want to get emergency loan in Uganda that is approved within a day, below are the best places to get them:

—–Emergency/Kagwirawo Loan

This loan product has an interest rate of 10% and Any member with a minimum of 64 shares can access a maximum amount of 1,000,000 paid within 24 hours after presenting evidence for the emergency need and is payable within one month after obtaining it.

—–Stadflin Emergency loans

This is an unsecured loan offered to enable members to meet unforeseen obligations. It is extended to members based on their allotment or projected cash inflow, remittance of periodic payments directly to SteadFin bank A/C via standing order.


  • Loan amount of up to UGX 20 million.
  • A competitive interest rate of 10% p.a on repayment
  • Maximum repayment period of 6 months repayable in:
  • Regular bi-weekly installments
  • Monthly installments
  • Lump sum (where applicable)

Plan Benefits

  • Convenient and easily accessible to settle emergencies
  • Manageable loan installments whose amounts are based on the borrower’s defined cash flows.
  • No Collateral required


  • Completed Loan application form
  • Change of allotment (if required)
  • The available source of income (earning slip to prove grade), business streams (other income sources).


A quick loan is a form of short-term personal credit built for speed and convenience. Quick loan products are designed to provide fast solutions for cash emergencies. When you have an unexpected financial emergency and need a quick loan to cover urgent bills, sometimes you just need a fast, short-term loan solution to cover immediate costs. Unexpected expenses can appear any time. They could be a medical emergency, a car repair, or perhaps a boiler breakdown. Instead of applying for a long-term personal loan at the bank, EBO offers emergency loans which are more convenient.


  • Individual Account holder.
  • Good credit record..

—–Smart Loan Uganda

They approve the loan within a day.

Kireka Opposite Shell, Lico Holding Building Room B09

+256 705226775 / +256 783332332

+256 393254331

—-Platinum Credit


Who Qualifies?

* All civil servants in Uganda who are confirmed in service and are earning salary.


  • A recent passport photo.
  • Mobile Money Registered Phone number.
  • Salary Account Number (For Stanbic and Centenary put new and Old account numbers).
  • Appointment letter.
  • Valid Employment ID.
  • National ID.
  • Letter of undertaking from Employer.
  • For Teachers, Police & Prisons officer add a letter of introduction from the immediate supervisor



    1  .You’re formally employed

    2.Your salary is paid into a bank account

    3.You have your latest payslip

    4 You have the latest month’s bank statement

    5  You have an original National ID

—-NCBA Bank Uganda Personal loans

Land Purchase Loan

We support you in building for your future. Whether you need land to build your own home or earn rental income with plots for multi-dwelling residential and investment commercial use, NCBA has the right financing solution for you.


  • Minimum plot size of 0.072 of an acre (40ft x 80ft), subject to meeting the restriction on minimum area size in the specified area.
  • Maximum plot size of 2.5 acres.
  • Minimum loan amount of UGX 5,000,000.
  • Financing is for plots within Kampala metropolitan and major urban and rural areas within major towns.
  • Loan-to-value ratio is based on the value or selling price of the plot, or whichever is lower.
  • Financing of up to 70% of plots in Kampala borrowed in local currency.
  • Up to 60% financing for plots in Kampala borrowed in foreign currency.
  • Up to 60% financing for plots outside Kampala borrowed in local currency.
  • Up to 60% financing for multi-residential plots in Kampala in local currency.
  • Up to 50% financing for multi-residential plots in Kampala and other areas in foreign currency.
  • Loan repayment period of up to 36 months for loans amount of UGX 5,000,000 to 35,000,000 (or foreign currency equivalent).
  • Loan repayment period of up to 48 months for loans amount of UGX 35,000,000 to 75,000,000 (or foreign currency equivalent).
  • Loan repayment period of up to 60 months for loans amount of UGX 75,000,000 and above.
  • Agricultural land or plot is not accepted as security.
  • Interest is calculated on a reducing balance basis.

—Platinum Credit Uganda

Business Loan

We work with various entrepreneurs, each with unique needs and circumstances. We have the flexibility to work one-on-one with your business and welcome the chance to get to know you.

Loan Amount

UGX 100,000 – 150M


1 – 36 Months

Personal Loan

We offer unsecured Personal loans to employees of private sector companies. Staff must be confirmed in employment and ready to provide us with cheques from their salary account.

Loan Amount

UGX 1M – 20M


1 – 12 Months

—-Finance Trust Uganda

Trust Mobile Loan

Get a quick loan conveniently using your mobile phone.

To access our Loan ku Simu, simply dial *224# or download the Trust Mobile app and get a quick loan of upto USh 1,000,000 payable in 3 months. It is instant.


  • Secure a quick loan without coming to the banking hall
  • Maximum loan amount of up to 1Million
  • Pay loan in period up to 3 months
  • Lower loan processing charges for the customers
  • Repayments of loans will be done within the comfort of their homes or businesses thereby reducing on the time spent moving to the branches to deposit repayments.


  • Applicant must have been a client of Finance Trust Bank for a minimum of 6 months
  • Applicant must have an active transaction account.
  • Applicant must have a good repayment history evidenced by CRB report
  • Applicant must be aged 18 years and above
  • Applicant must be an individual account holder
  • Applicant must be registered on Trust Mobile banking platform
  • Registration with Credit Reference Bureau is mandatory
  • Applicant must fully pay up the facility before consideration for a subsequent facility.

—-Wazalendo Loan

Loan Products to WSACCO members.

Quick Loans

Loan Size

Quick loans should not be greater than one’s basic salary.


Interest on emergency loans shall attract 13% per annum on reducing balance.

Repayment Period

Quick loans shall not exceed 3  months from the date of obtaining the loan. Repayments are recovered on a monthly basis using salary deductions by Directorate of Finance of UPDF.


  1. He/She must be a member for minimum of 6 months
  2. Loan Application Form on Wazalendo SACCO preprinted forms obtainable from Wazalendo office.
  3. Passport photograph
  4. Bank Account Statement that clearly shows monthly salary and bank loan deductions if any.
  5. Letter of Authority issued by Wazalendo SACCO on a preprinted form.
  6. A member must have 25% of  shares and savings  for the loan amount applied for

—Premier Credit


  1. Recent passport photo.
  2. Current pay slip (original) OR copies of last 2 month’s pay slips.
  3. Bank statement showing the 3 most recent salary deposits.
  4. Contact phone number fully registered.
  5. Copy of your appointment/confirmation letter.
  6. Letter of undertaking from employer

Terms and Amounts

We offer different salary loans ranging from Ugx 100,000/= to Ugx 30,000,000/= and our loan terms range from 3 months to 96 months.


Access personal loans on MobizPay from UGX 500 – UGX 3,000,000 in seconds whenever you need it, wherever you need using your smart phone.

—-Bank of Africa Uganda Salary loan

Get started

  • Check now how much you can access with our online loan calculator
  • Apply online – Get your decision within 48 hours!
  • Get up to 50% of your monthly net salary
  • Get up to 72 months repayment plans

Kindly note:

  • Right after your approval, you can digitally access your unlocked value from the comfort of your office through our digital channels

Package benefits and features

  • Facility is unsecured – No collateral or security is needed
  • Get amounts of up to UGX 150 Million
  • Flexible and affordable monthly repayments of up to 72 months
  • Enjoy quick tops ups after servicing for six months
  • Peace of mind with the retrenchment insurance cover of up to 12 loan instalments

What you need to get a loan today

  • Completed application form or online application. 
  • Latest pay slips (last 3 months)
  • Copy of financial card
  • Copy of employment contract, appointment and confirmation letters
  • Employer letter of undertaking
  • At least 3 months Bank statement for salary account
  • Employee authority to offset loan (for those borrowed in other banks)


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February 14, 2024

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1 Comment

  • Nakalema Janati


    I need a loan

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