Fast, transparent lending powered by technology. No hidden fees. No paperwork delays. Just capital when you need it.
Whether you're scaling a business, purchasing inventory, or managing cash flow — we move at the speed of your ambition.
Apply online. Get approved within hours. Funds hit your mobile money or bank account the same day.
Track your loan, view your schedule, make payments, and apply for top-ups — all from your phone.
No hidden charges. Your interest rate, fees, and total cost are shown upfront before you sign anything.
Complete our simple application in under 10 minutes. No paperwork required.
Our AI-powered credit engine assesses your application within hours, not weeks.
Review your offer letter with full transparency on rates, fees, and repayment schedule.
Funds are sent directly to your mobile money or bank account. Same-day disbursement.
Access a high-yield credit portfolio in one of the world's fastest-growing markets. Our proprietary technology gives you institutional-grade transparency — real-time PAR waterfall, IFRS 9 reporting, and full audit trail on every shilling deployed.
We built our own loan management system from the ground up. Every decision — from credit scoring to collections — is data-driven.
Multi-factor scoring engine that learns from every loan cycle. Better risk assessment means better rates for borrowers.
Portfolio-at-risk waterfall, cohort analysis, officer scorecards, and revenue tracking — all in real-time dashboards.
SMS reminders, escalation workflows, field visit scheduling, and demand notices — all automated with human oversight.
Built to S.I. 108/2024 standards. Interest rate caps, mandatory disclosures, and proper provisioning baked into every loan.
Disbursements and collections via MTN MoMo and Airtel Money. Borrowers pay from their phone, no bank visit needed.
Full borrower portal with loan tracking, payment history, statement downloads, and re-application. 24/7 access.
“Terra Credit funded my wholesale business in 24 hours. The transparency on fees was something I had never seen from any lender.”
“I have worked with many MFIs. Terra is different — the technology makes everything faster and the team actually follows up with you.”
“The borrower portal lets me track everything myself. I can see my schedule, make payments, and even apply for a top-up without calling anyone.”
Terra Credit Uganda Ltd. is a technology-driven lending company focused on serving SMEs, traders, and salaried workers across Uganda. We combine institutional-grade risk management with the speed and convenience that borrowers deserve.
Our proprietary loan management system was built in-house — giving us a structural advantage in underwriting accuracy, collections efficiency, and portfolio management.
Apply in under 10 minutes. No collateral required for loans under UGX 5M. Same-day disbursement available.
No impact on your credit score. Takes less than 10 minutes.
Whether you're a borrower, investor, or partner — we'd love to hear from you.