For enterprises and organised groups
Stock, equipment, or expansion.
See loans for stock, equipment, expansion, and organised groups.
Explore SME Loan →10loan options for business, farming, education, transport, and personal needs
Mwanza + Geitateams you can visit or call
Clear termscosts and repayments explained before you decide
Choose a loan
What is the loan for?
Select a purpose to see related loans. Our team will confirm which product fits your circumstances.
For personal and household costs
Loans for personal expenses.
Compare loans for family costs, emergencies, transport, and home improvements.
Explore Personal Loan →For salaried employees
Loans for salaried employees.
The Salary Loan covers personal costs, with repayments planned around your salary dates.
Explore Salary Loan →For farmers and agribusinesses
Loans for farming costs.
The Agricultural Loan can cover inputs, livestock, irrigation, equipment, harvesting, storage, or marketing.
Explore Agricultural Loan →For parents, guardians, and students
Loans for education costs.
Pay for tuition, accommodation, books, uniforms, examinations, and other school costs.
Explore School Fees Loan →Need help choosing?
Ask us about loan options.
Tell us what you need and how you earn your income. We will help you compare the available loans.
Talk to our team →
Our Geita presenceGeita, Tanzania
About Melac
Visit Melac in Mwanza or Geita.
Melac has a head office in Mwanza and a branch in Geita. We work with people and businesses across the communities we serve.
Our team explains each loan's costs, terms, and requirements before you decide whether to apply.
Local serviceClear loan termsSupport after disbursement
Meet Melac →How it works
How Melac reviews a loan enquiry.
Here is what happens after you contact Melac about a loan.
You can ask questions at any stage.
Tell us what you need
Explain what you want to pay for and how much you need.
We review affordability
We review your income, expenses, repayment ability, and the documents required for the loan.
Review the terms
We explain the interest, repayment period, security requirements, and other terms before you decide.
Repay the loan
Make repayments as agreed and contact our team if you have questions.
Plan your repayment
Estimate your monthly payment.
Use this simple calculator for planning only. Final pricing and repayment terms are confirmed by MELAC after assessment.
Loan calculator
Estimated monthly payment
Need to ask about a loan?
Tell us what you need. Our team will explain the next step.