BFS Financial Services
Loans built around your life
Fast, transparent loans from BFS Financial Services - apply, get assessed and get funded, all managed by our team from application to repayment.
Apply for a Loan
Online loans designed for you
Loan product
You repay TZS 2,600,000 over 6 months (5.0%/mo)
Apply Now
Illustrative only - final rate depends on the loan product and approval.
Personal + Business + Vehicle-Backed + Payroll Loans
Fast Assessment
Transparent Terms
Loan Support
Branch Network
Secure & Compliant
Personal + Business + Vehicle-Backed + Payroll Loans
Fast Assessment
Transparent Terms
Loan Support
Branch Network
Secure & Compliant
Personal Loan
A quick personal financing solution designed to support short-term needs such as school fees, household expenses, and urgent priorities.
- Microfinance
- Up to 12 months
- Monthly installments
View details
Executive Loan
Fast and affordable personal financing for high-end individuals and salaried professionals managing short-term needs.
- Microfinance
- Up to 12 months, or per assessment
- Monthly installments
View details
Mjasiriamali Business Loan
Business credit designed to finance daily operations, expand stock, support working capital, and strengthen growing enterprises.
- Microfinance
- Up to 18 months, or per business cycle
- Monthly or flexible branch-approved plan
View details
Ada Loan
School-fee financing for parents and guardians, allowing education costs to be paid conveniently and repaid in installments.
- Microfinance
- Up to 12 months, or aligned to the school term
- Monthly installments
View details
Gari Yako Loan
Vehicle ownership support for business and private-sector employees who need payment facilitation to acquire a vehicle.
- Microfinance
- Based on assessment
- Monthly installments
View details
Tender Loan
Project and tender financing designed to support timely completion of ongoing work, procurement needs, and contract delivery.
- Microfinance
- Aligned to the contract timeline
- Project-based payments
View details
Asset Finance Loan
Financing for productive assets such as vehicles, equipment, tools, machinery, and business infrastructure.
- Asset & Equipment Finance
- Up to 36 months
- Monthly installments aligned to asset usage
View details
Salary Advance Loan
Short-term salary-linked financing for salaried clients who need support before the next pay cycle.
- Payroll Finance
- 1 to 6 months
- Monthly salary-linked repayment
View details
Vehicle Logbook Loan
Financing backed by an eligible vehicle logbook for clients who need working capital while continuing to use their vehicle.
- Vehicle Finance
- Up to 24 months
- Monthly installments
View details
V-Cash Loan
A quick top-up style facility for existing vehicle-secured clients with a good repayment record.
- Top-Up Finance
- 1 to 12 months
- Flexible options
View details
Government Payroll Loan
Structured payroll financing for eligible public-sector and civil-service employees.
- Payroll Finance
- Up to 60 months
- Via payroll deduction
View details
Private Payroll Loan
Payroll-backed financing offered to employees of private-sector employers and partner companies.
- Payroll Finance
- Up to 36 months
- Via payroll deduction
View details
Insurance Premium Financing
Short-term financing that helps clients keep important insurance cover active while spreading premium payments.
- Business Finance
- 1 to 12 months
- Installment-based
View details
Invoice Discounting
Working-capital support against verified invoices so businesses can keep moving before customers pay.
- Business Finance
- Based on invoice due date
- Settled on invoice collection
View details
Import Duty Financing
Financing for import duty, clearing costs, and related charges so stock or equipment can move faster.
- Trade Finance
- 1 to 12 months
- Flexible, based on sales cycle
View details
Why BFS
What sets BFS apart
Careful, Considered Lending
Every application is reviewed by our own team.
No automated black-box decisions - a real risk and approval team reviews identity, income, and affordability before any funds are disbursed.
From application to final repayment, a real member of our team is responsible for your account at every stage.
Learn more
Speed
Fast assessment
Applications are reviewed promptly by our branch and risk teams, with clear communication at each stage.
Local presence
Branch teams across Tanzania
Dodoma, Mbeya, and Dar es Salaam branch teams who understand the communities we serve.
Get Started
How to get a loan with BFS
Apply online or at a branch
Get assessed by our risk team
Get funded and managed through repayment
Track your application any time online