Find the Right Loan for You
Four loan products, one simple application. Pick what fits your situation and apply in minutes.
Malawian resident
Valid national ID
18 years or older
Of legal borrowing age
Proof of income
Salary or business income
Active mobile money / bank account
For fast disbursement
Personal Loan
Cover everyday expenses, school fees, medical costs, or personal projects.
- Flexible amounts based on your income and needs
- Repayment terms that match your cash flow
- No collateral required for qualifying applicants
Salary Loan
Quick, short-term credit for salaried employees, repaid against your payslip.
- Designed for formally employed applicants
- Fast approval, often within the same day
- Deducted conveniently from your salary
Business Loan
Working capital and growth financing for small and medium enterprises.
- Funding for stock, equipment, or expansion
- Terms structured around your business cash flow
- Support for both registered and informal businesses
Emergency Loan
Fast cash for unexpected situations, with the shortest possible turnaround.
- Priority processing for urgent needs
- Small to mid-size amounts disbursed quickly
- Simple, minimal documentation
Frequently Asked Questions
How long does approval take?
Most applications are reviewed within 24 hours. Salary and emergency loans are often decided the same day.
Do I need collateral to borrow?
Most personal, salary, and emergency loans do not require collateral. Larger business loans may require additional documentation, assessed case by case.
How do I receive my funds?
Approved funds are disbursed straight into your Capital Digital Wallet, from where you can transfer to mobile money or your bank account.
Can I repay my loan early?
Yes. You can settle your loan ahead of schedule at any time through your wallet dashboard.
Not sure which loan is right for you?
Our team can help you pick the best option for your situation.