Our Loans
A loan designed for every Ugandan need
Whether you're restocking your shop, paying school fees, or handling a medical emergency — Malmat has a loan built exactly for you. Fair rates. Fast approval. No surprises.
Business
Business Boost Loan
UGX 500K – UGX 10M
Keep your business running and growing. Perfect for traders, shopkeepers, and small business owners who need working capital fast.
- No collateral needed for amounts under UGX 2M
- Repay weekly, bi-weekly, or monthly
- Top-up available after 50% repayment
💼
From 3% / month
Interest Rate
24 hours
Approval Time
Up to 12 months
Max Tenure
Education
School Fees Loan
UGX 200K – UGX 5M
Never let school fees disrupt your child's education. We disburse before the school term deadline — guaranteed.
- Payment can go directly to the school
- Repay gradually over the term
- Grace period of 30 days available
🎓
From 2.5% / month
Interest Rate
12 hours
Approval Time
Up to 6 months
Max Tenure
Emergency
Medical Emergency Loan
UGX 100K – UGX 3M
Health can't wait. Our fastest product — disbursed within 4 hours so you or your loved one gets care immediately.
- Emergency same-day disbursement
- Minimal documentation required
- Flexible repayment after recovery
🏥
From 2% / month
Interest Rate
4 hours
Approval Time
Up to 3 months
Max Tenure
Salary
Salary Advance
UGX 100K – UGX 2M
Bridge the gap between now and payday. Available to all employed Ugandans with a confirmed monthly salary.
- Available to all employed Ugandans
- Automatic deduction from salary optional
- Renew on next payday
💳
From 2% / month
Interest Rate
2 hours
Approval Time
1 – 3 months
Max Tenure
Eligibility
Who can apply?
Our lending criteria are simple and fair.
1
Ugandan citizen aged 18–65
2
Valid National ID or Passport
3
Active mobile money account (MTN or Airtel)
4
A regular source of income (employment, business, or farming)
5
Good or improvable credit history (we check both)
6
Two traceable references