For enterprises and organised groups
Finance your business.
Get funds for stock, equipment, expansion, business assets, or a group business.
Explore SME Loan →10loan solutions for business, household, education, farming, and transport goals
Mwanza + Geitalocal service rooted in the communities where our customers live and work
Mon–Sataccessible opening hours and a team you can speak with directly
Choose a loan
What do you need financing for?
Choose what you need to finance. We will show you the loans that may suit you.
For life needs and important plans
Pay for personal needs.
Borrow for family costs, emergencies, transport, home improvements, and other personal needs.
Explore Personal Loan →For salaried employees
A loan based on your salary.
Borrow for planned or urgent costs and repay in line with your salary cycle.
Explore Salary Loan →For farmers and agribusinesses
Finance your farm.
Pay for farm inputs, livestock, irrigation, equipment, harvesting, storage, or marketing.
Explore Agricultural Loan →For parents, guardians, and students
Pay education costs.
Pay for tuition, accommodation, books, uniforms, examinations, and other school costs.
Explore School Fees Loan →Need help choosing?
Talk to our team.
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
We look at what you need and what you can afford.
A shop owner, farmer, and parent have different needs. We consider the purpose of the loan before recommending an option.
We ask what the loan is for, explain the requirements, and assess whether the repayments are suitable for your income.
Clear conversationsPurpose-led optionsResponsible decisions
Meet Melac →How it works
We start with what you need.
Tell us what the loan is for. We will review your request and explain the next steps.
Tell us what you need. We will explain the available options, requirements, and costs.
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 a loan?
Send us your details. Our team will contact you to discuss the available options.