Small loans, straight to MTN MoMo or Airtel Money.
Niazime is a digital lending app for Uganda. Borrow from UGX 49,000 for 20 to 61 days, straight to MTN MoMo or Airtel Money, at one flat price with no hidden fees. Repay on time and your limit grows.
Your MTN MoMo or Airtel Money number is your account. No app store needed: it runs in your phone's browser and installs to your home screen, or download the Android app.
What it costs, in one line
A UGX 49,000 loan for 20 days: you receive UGX 37,730 in MTN MoMo or Airtel Money and repay UGX 49,000 on day 20. Interest UGX 11,270, taken before the money is sent. Effective annual rate, all costs: 420%.
First loan 20 days: 23% · 40 days: 38% · 61 days: 48%; 17% / 29% / 38% after one loan repaid on time; 14% / 24% / 33% after three.
Everyone starts at UGX 49,000. Your limit doubles as your repaid loans earn it, up to what your own MTN MoMo or Airtel Money statement supports.
Once you confirm, the money is sent to your MTN MoMo or Airtel Money line, usually within minutes. Repay on MTN MoMo or Airtel Money or with one tap in the app.
No contacts, no photos, no location. We score you from your own MTN MoMo or Airtel Money statement and a few questions.
How a loan works
Verify your number and ID. A one-time code to your MTN MoMo or Airtel Money line, a UGX 500 MTN MoMo or Airtel Money prompt we send straight back, and your National ID (NIN) checked with the registry.
Upload your MTN MoMo or Airtel Money statement. Request it from MTN MoMo or Airtel Money, upload the PDF, answer a short questionnaire. Your limit is set from what the statement shows.
Choose amount and days. The screen shows exactly what you receive and what you repay before you confirm with your PIN.
Money lands in MTN MoMo or Airtel Money. Repay on MTN MoMo or Airtel Money to Niazime with your loan ID as the reference, or with one tap in the app. Every payment comes off the balance.
Who is behind it
Niazime is operated by Niazime Limited, a Kenyan company. Lending in Uganda is being prepared under the Bank of Uganda's rules; we will publish the license details here when they are issued.
Complaints are logged, acknowledged with a reference and answered within 30 days. Every price on this site is computed from the same table the app uses.