Laina Finance

Buy now, pay later

Get a flexible payment options.

Say goodbye to traditional payments, transform your life with the way you pay

19.5k+ Customers

Government and private(SMEs) employes, Vodacom subscribers and business owners.

450+ Resellers

Resellers all over Tanzania, including All Vodacom shops.

Over 30+ partners and  businesses growing with Laina Finance

Our Services

We provide flexible payment options


Offering Instant loans for purchases at checkout from our finance provider.


Finance purchases of electronics on a flexible payment plan.


Provide insurance premium financing that allows for manageable payments.

Cash loans

Quick cash loans for MNOs, government, and private sector employees.

How it works

Flexible payment plans with easy checkout and few clicks, provided by our finance provider.



Dial Our USSD Or Download Our App.


Access your loan

Pay By Credit Payments At Any Merchant


Make repayments later

Make Your Weekly Or Monthly Payments.

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Why Choose Laina

Flexible payment terms
Choose from a variety of payment options, including weekly, bi-weekly, or monthly installments, to fit your budget and schedule.

Compliant to Islamic credit terms
Enjoy the convenience of purchases at zero interest fees. Our payment plans are transparent and easy to understand, so you can focus on what matters most - your purchase.

Fast and easy application
Our online application process is quick and easy, no credit history required, simply enter a few basic details and get an instant decision.

Our customer channels

How to reach our services

Dial our USSD


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Download our easy to use mobile app!

Customer App
You will get a credit card that will allow you to pay on anywhere.

Laina Business App
Sell to your customers on credit, get paid while Laina will handle the risk.


Check your credit limit today

At Laina Finance, we offer both Sharia compliant loans and Conventional loans.




Are mortgage free loans which can be repaid up to 6 months

  • No Risk sharing

  • Loan has Riba

  • Late repay fee

Sharia compliant



These are loans that adhere to Shariah (Islamic law).

  • Risk sharing

  • No Riba

  • Late repayment fees goes to charity