Credit that moves you forward.

Merit Credit helps traders, families and salaried workers put money aside for school fees, rent and business, and get a loan when the next opportunity comes.

Apply for a loan See our loans

What would my loan cost?

How much do you need? UGX 2,000,000

Repay over 12 months

Estimated monthly repayment

UGX 266,667

Total interest UGX 1,200,000

Total to repay UGX 3,200,000

Estimate at 5% per month, flat rate. Your actual rate and fees are confirmed by a loan officer.

Regulated by UMRA

Serving Kampala since 2026 10,000 Clients and counting

Talk to a real person Call, WhatsApp or visit our office

Loans built around how you earn

Business, agriculture, housing, school fees or rent. Every facility is shaped around your cash flow.

Business Loan

Working capital to restock, expand your shop or take on a bigger order. Repay in monthly instalments that match your trading.

For shop owners, market vendors, farmers and small enterprises.

See Business Loan details

Investment Loan

Finance to put behind an opportunity: equipment, a new line of business, or an asset that will earn its keep.

For entrepreneurs and established businesses.

See Investment Loan details

Agricultural Loan

Credit timed around the season, for inputs, labour and getting your harvest to market.

For farmers and agribusinesses.

See Agricultural Loan details

Mortgage Housing Loan

Longer-term finance towards buying, building or completing a home.

For salaried earners and business owners.

See Mortgage Housing Loan details

School Fees Loan

Cover fees at the start of term and repay across the months that follow.

For parents and guardians.

See School Fees Loan details

Rent Loan

Meet rent when it falls due and spread the cost over the month.

For tenants, households and businesses.

See Rent Loan details

Not sure which one fits? See all loans or talk to a loan officer.

How to get a loan

Talk to us

Visit our office, call or send a WhatsApp message. A loan officer will ask what you need and recommend the right loan.

Bring your documents

Your National ID, passport photos and the documents listed for your loan. We will tell you exactly what to bring.

Get your decision

We assess your application and let you know the result. Once approved, the money is paid out to you instantly

A word from our Managing Director

We exist to help people and businesses move forward

Merit Credit Microfinance Uganda Limited was established in 2020 to make affordable, responsible and dependable financial services more accessible across Uganda. Our approach goes beyond lending. We take time to understand what our customers are working towards, and we build long-term relationships founded on trust, professionalism and transparency.

Mr Muhammad Ssali (MBA) Founder & Managing Director

More about Merit Credit