A better way to save and grow.
Zimba is Uganda's member-owned digital cooperative. Every shilling you put in earns 10% per year. When your balance qualifies, you access a Zimba Advance at 3.5%/mo with 0% processing fees — no deductions, no surprises.
One-time joining share: UGX 15,000 · No employment letter · No collateral
Growth Savings
10% p.a.
Active members
500+
What your UGX 15,000 membership earns you.
Every number below is live for every member. No tiers, no unlocks, no surprises.
10%p.a.
Interest on Growth Savings
Every shilling earns 10% per year — credited automatically. You don't need to do anything extra.
0%
Loan processing fee
What you qualify for is what you receive. No deductions, no admin charges, no application fee.
5m
Disbursed instantly
Up to UGX 5m as advance — backed by Growth Savings, disbursed instantly
3.5%/mo
Advance rate, declining
As you repay, your interest shrinks. A clear rate, on a shrinking balance — no compounding traps.
How it works in one loop
Save from UGX 5,000
Earn 10% p.a. from day one
Put money in Growth Savings. Interest starts accruing immediately — credited to your account automatically.
Your balance qualifies you
Up to UGX 5m available as advance
No forms, no salary slips. Your Growth Savings balance is the qualifier. The more you save, the more you unlock.
Advance at 3.5%/mo
0% processing fee, full amount received
When life happens, access what you've earned the right to borrow — clear terms, declining balance, nothing hidden.
Ugandans building real wealth, together.
500+ members. Every one of them earning 10% p.a. on their savings, right now.
Kampala
Jinja
Gulu
Mbarara
"The interest just appears every month. I didn't have to do anything — just keep saving."
Aisha N., member since 2024
Jinja · Saved UGX 800K · Earned UGX 80K interest
Borrow smart.Pay back faster.
Access up to UGX 5m as advance when you need it. Backed by what you've built — not paperwork.
Save consistently
Build Growth Savings at 10% p.a. 🔥
Qualify automatically
Your balance unlocks access
Borrow with clarity
Only 3.5% / mo · 0% processing fee
Savings-backed · No collateral · Declining balance · Available on app and web
Three ways your membership grows wealth.
Save for everyday access, earn long-term returns at 10% p.a, and unlock advances tied to your contribution history.
Designed for disciplined member growth
- Move to wallet anytime
- Pay bills
- No minimum balance
- Free
Designed for disciplined member growth
- 10% p.a. returns
- Build savings, unlock access
- Disciplined lock period
- Unlock advance up to UGX 5m when you qualify
Designed for disciplined member growth
- Up to UGX 5m as advance
- 0% processing fee
- Declining balance
- Short terms, clear repayment
- Disbursed instantly
The rewards are real. Here's what members earned.
UGX 45M+
Saved by members
UGX 4.5M+
Interest earned at 10% p.a.
UGX 30M+
Disbursed in advances
500+
Active members
Member story"Saving 600K earned me 96K in interest — and unlocked a 3M advance."
Esther saved consistently in Growth Savings. Her balance qualified her for a Zimba Advance — no collateral, no salary slips. She used it to buy equipment for her tailoring shop. Today it employs three people.
Esther Mutesi
Fashion Shop Owner · Kampala
Saved
UGX 600K
Earned at 10%
+UGX 96K
Advance at 3.5%
UGX 3M
Sarah M.
Marketing Manager · Kampala
"I built my savings with Zimba Growth Savings and the returns are clear. When I needed an advance, my savings had already grown. It feels like a financial home, not a quick-cash app."
James Okello
Content Creator · Mbale
"I saved consistently and qualified for a Zimba Advance when I needed equipment. Disbursed instantly, terms were clear. No surprises."
Grace Atim
Software Developer · Remote
"Zimba focuses on what I've built in savings, not just paperwork. I appreciate the calm, transparent approach. My savings grow and I can access responsibly when needed."
Every day you wait is interest you're not earning.
Join for UGX 15,000. Start earning 10% p.a. on Growth Savings from day one. When you qualify, access an advance at 3.5% / mo with 0% processing fees.
No employment letter · No collateral · No hidden fees · Available on web and Android
Secure · Regulated cooperative · Member-owned · Uganda
Get in touch
Questions about membership, savings, or Zimba Advance? WhatsApp, email, or the form below.
Address
Kira, Kampala, Uganda
Working Hours
Mon - Thur: 9:00 AM - 5:00 PM
Support Hours
24/7
Send a message
We'll get back to you within 24 hours.