We Provide:

The Help You Need, When You Need It!

Borrow from $10. Repay within 20 days. We provide small loans to cover your immediate needs fast and securely. We are a trusted and reliable microloan provider. Never get stuck in a financial crisis, we're here to help!

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Why choose us

Simple, transparent microloans designed to help you grow

Start from $10

Apply for loans starting at just $10. No hidden fees, no surprises.

Grow your limit

Repay within 20 days and your credit limit increases by $5 each time.

Secure & simple

Your data is protected. Simple application and fast decisions.

Pay with PayNow

Repay your loan easily and securely online using PayNow.co.zw. Once your loan is approved, go to your client area dashboard and click Pay with PayNow to complete your repayment by card, EcoCash, OneMoney, or other methods supported by PayNow.

Fast, secure, and convenient—so you can stay on track and grow your credit limit.

PayNow.co.zw

How it works

Get from application to cash in four simple steps

1
Register

Create your free account with your email and details. No paperwork.

2
Apply

Choose your loan amount (from $10 up to your credit limit) and submit.

3
Get approved

We review your application quickly. You’ll see the result in your client area.

4
Repay on time

Repay within 20 days. Do it on time and your credit limit goes up by $5.

Repay within 20 days

Your repayment period starts when your loan is approved. Repay on or before the due date to grow your credit limit by $5 for your next loan. Pay easily online via PayNow.co.zw from your client area (card, EcoCash, OneMoney). Late repayments don’t increase your limit—so stay on track.

20 days to repay
$5 limit increase

Simple, transparent terms

No hidden fees. Clear rules.

One loan at a time

Finish repaying your current loan before you apply for another. Keeps things manageable.

Start at $10

New users get a $10 credit limit. Borrow what you need, when you need it.

Build over time

Every on-time repayment adds $5 to your limit. Good habits mean more borrowing power.

Who is mikroloan for?

Mikroloan is built for people who can prove they have a source of income to repay loans—whether you need a small boost or want to build your borrowing history.

Medical needs

You need funds to cover a doctor's visit, prescription, or a small medical bill. Borrow what you need and repay within 20 days from your income.

Food and essentials

You need cash for groceries or basics before your next pay. Get a small loan to cover food and essentials, then repay within 20 days.

Education needs

You need funds for school fees, supplies, or materials. Borrow to cover education costs and repay within 20 days from your income.

Transport needs

You need cash for bus fare, commute to work, or transport to run essential errands. Borrow what you need and repay within 20 days from your income.

Bills and utilities

You need funds for an unexpected bill, electricity or water top-up, or a small utility payment. Borrow to cover it and repay within 20 days.

Household and repairs

You need funds for a small repair, essential household item, or emergency fix. Borrow to cover the cost and repay within 20 days from your income.

Common questions

Quick answers about how we work

After you register and apply, we review your application. Once approved, the loan is active and your 20-day repayment period starts. You can see the status and due date in your client area.

You can still repay after the due date, but your credit limit will not increase for that loan. Only on-time repayments (within 20 days) earn the $5 limit increase. We encourage repaying on time to grow your limit.

No. You need to fully repay your current loan before applying for another. This keeps your repayments manageable and helps you build a good track record.

The minimum loan is $10. The maximum is your current credit limit, which is shown in your client area. New customers start with a default limit (e.g. $10), and it increases by $5 each time you repay a loan on time.

Log in to your client area and use the Pay with PayNow option on your dashboard. You can pay by card, EcoCash, OneMoney, or other methods supported by PayNow.co.zw. The exact amount to repay is shown before you confirm.

No. The amount you borrow and the amount you must repay (including the profit margin) are clearly shown. There are no extra or hidden fees. Registration and applying are free.

Yes. You can repay your loan at any time within the 20-day period. Early repayment still counts as on-time, so your credit limit will increase by $5 after you pay. There is no penalty for paying early.

You need a valid email address, a Zimbabwe phone number, a physical address, and a password. Registration is free. Once registered, you can apply for a loan from your client area.

You will see the status in your client area. You can try again later. Common reasons include having an active loan already or not meeting current criteria. Repaying any existing loan on time improves your chances for future applications.

Every loan must be repaid within 20 days of approval. The exact due date is shown in your client area when the loan is approved. Plan to repay on or before that date to earn your $5 limit increase.

Get the Android app

Apply for loans, check your limit, and repay with PayNow from your phone. Download the mikroloan.finance app on Google Play.

Android app

Ready to get started?

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