Top 10 Loan Apps in Uganda for 2025: Fast Access to Funds via Mobile Money

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Top 10 Loan Apps In Uganda For 2025: Fast Access To Funds Via Mobile Money

Aug 15, 2025
Brandi

In 2025, Ugandans benefit from a growing number of loan apps offering quick, collateral-free loans delivered straight to mobile wallets like MTN MoMo or Airtel Money. These fintech solutions are especially helpful for emergencies, school fees, small businesses, and daily needs. Below are the most trusted and widely used loan apps based on ratings, loan flexibility, integration with mobile services, and user trust.

1. MTN MoMo Advance

Loan Ceiling: UGX 1,000 to 1,000,000
Interest: Approximately 3% per month
Repayment: 7–30 days
Why Choose It: Seamless for MTN subscribers with direct mobile money disbursement.

2. Airtel Wewole Loan

Loan Range: UGX 5,000 to 500,000
Interest: 2.5%–5% per month
Repayment: 7–30 days
Why Choose It: Integrated with Airtel Money, making access smooth and convenient.

3. MoKash (MTN & CBA)

Loan Amount: UGX 3,000 to 1,000,000
Interest: 2%–5% per month
Repayment: ~30 days
Why Choose It: Combines saving and loan features, great for building financial habits.

4. Branch Uganda

Loan Range: UGX 5,000 to 1,500,000
Interest: 2%–15% per month
Repayment: Up to 1 year
Why Choose It: Ideal for business or side-hustle financing—flexible and generous limits.

5. Tala Uganda

Loan Range: UGX 10,000 to 1,000,000
Interest: From 3% per month
Repayment: 21–30 days
Why Choose It: Friendly for first-time borrowers with a transparent track record.

6. Numida Loans

Loan Range: UGX 100,000 to 20,000,000
Interest: Custom, depending on business data
Repayment: 1–6 months
Why Choose It: Tailored for SMEs—supports larger working-capital needs.

7. EasyLoan Uganda

Loan Range: UGX 10,000 to 500,000
Interest: Flat rate
Repayment: 15–45 days
Why Choose It: Great for urgent, short-term needs.

8. CashX Uganda

Loan Range: UGX 20,000 to 800,000
Interest: From 5% per month
Repayment: 14–60 days
Why Choose It: Suitable for salary advances or paying bills.

9. UGAFODE Mobile Loan

Loan Range: UGX 50,000 to 5,000,000
Interest: 2.5%+ per month
Repayment: 1–6 months
Why Choose It: Great for rural entrepreneurs; SME-friendly.

10. Yo Uganda Loans

Loan Range: UGX 5,000 to 300,000
Interest: Usage-based; varies
Repayment: 7–30 days
Why Choose It: Easy for mobile wallet users familiar with Yo! platform.

Table: Quick Comparison

Loan App	Loan Range (UGX)	Interest /mo	Repayment Period	Best For
MTN MoMo Advance	1,000 – 1,000,000	~3%	7–30 days	MTN users needing quick cash
Airtel Wewole	5,000 – 500,000	2.5%–5%	7–30 days	Airtel users
MoKash	3,000 – 1,000,000	2%–5%	~30 days	Savings + loan combo
Branch Uganda	5,000 – 1.5M	2%–15%	Up to 1 year	Side hustlers & small businesses
Tala Uganda	10,000 – 1M	From 3%	21–30 days	First-time borrowers
Numida Loans	100K – 20M	Custom	1–6 months	SME entrepreneurs
EasyLoan Uganda	10,000 – 500,000	Flat rate	15–45 days	Emergency loans
CashX Uganda	20,000 – 800,000	From 5%	14–60 days	Salary/bill advances
UGAFODE Mobile Loan	50,000 – 5M	2.5%+	1–6 months	Rural & SME users
Yo Uganda Loans	5,000 – 300,000	Usage-based	7–30 days	Yo! Payments platform users

Safety Tip

A few Ugandan users on Reddit have raised concerns over predatory practices—such as data overreach and aggressive repayment tactics. Stick to licensed and well-reviewed apps and always read the terms and fees carefully.

Conclusion

Whether you need quick personal cash like Tala or EasyLoan, or substantial SME financing through Numida or UGAFODE, Uganda’s mobile loan market offers a wide range of options. Choose based on your needs, repayment ability, and level of comfort with the platform.