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Home/Borrow

The right loan,
at the right time.

From personal loans to business finance and mortgages — UNCDF Bank DRC offers flexible, affordable credit solutions designed around your life and your ambitions.

Explore Loan Products Calculate Repayments
Quick approvals
Competitive rates
No hidden charges
Apply in branch or via the app

Our products

Find the loan that fits

Whether you're an individual, a small business, or a large corporation — we have a credit product built for you.

Personal

Personal Loan

Funds for any personal need — school fees, medical bills, home improvements, or a family milestone. Fast processing with minimal paperwork.

  • Borrow up to CDF 100 million
  • Repayment terms up to 72 months
  • No collateral for salaried customers
  • Disbursed within 48 hours of approval

Interest from

1.5% p.m.

Apply now
Salaried

Salary Loan

Exclusive to employed customers who receive their salary through UNCDF Bank. Get up to six times your net monthly salary instantly.

  • Up to 6× your net monthly salary
  • Automatic repayment deduction
  • No collateral required
  • Decision in as little as 24 hours

Interest from

1.3% p.m.

Apply now
Business

SME Business Loan

Working capital, equipment, stock or expansion — our SME loan gives growing businesses the financial muscle to move faster.

  • From CDF 5M to CDF 500 million
  • Flexible repayment schedules
  • Overdraft facilities available
  • Supported by business advisory

Interest from

1.8% p.m.

Apply now
Mortgage

Home Loan

Own your dream home in DRC. Finance the purchase, construction, or renovation of residential property with long-term, structured repayments.

  • Borrow up to CDF 500 million
  • Up to 20-year repayment term
  • Finance up to 80% of property value
  • Fixed & variable rate options

Interest from

17% p.a.

Apply now
Asset Finance

Asset Finance

Acquire vehicles, machinery, or equipment for your business without tying up your working capital. The asset itself serves as security.

  • Up to 100% financing on new assets
  • Up to 60-month repayment period
  • Covers vehicles, plant & machinery
  • Available to individuals and businesses

Interest from

19% p.a.

Apply now
Agriculture

Agri-Business Loan

Tailored credit for farmers, cooperatives, and agri-businesses. Finance inputs, irrigation, storage, or processing at harvest-friendly repayment terms.

  • Seasonal repayment aligned to harvests
  • Group lending options for cooperatives
  • Covers crop, livestock & aquaculture
  • Bundled with agronomist support

Interest from

1.5% p.m.

Apply now

Who can apply

General eligibility
requirements

Most UNCDF Bank DRC loan products are open to both individuals and registered businesses. Below are the general criteria — specific products may have additional requirements.

  • Congolese citizen or valid resident permit holder
  • Aged 18 years or above at time of application
  • Active UNCDF Bank DRC account (minimum 3 months)
  • Demonstrable and regular source of income
  • Good credit history with no outstanding defaults
  • Collateral may be required for larger loan amounts

Required documents

National ID or Passport (valid)
3-month bank statement
Recent 3 payslips (salaried employees)
Employer letter / contract of employment
Proof of residence (utility bill or LC letter)
Passport-size photograph
Certificate of incorporation / business registration
6-month business bank statement
2-year audited financial statements
URA TIN certificate & tax compliance
Directors' National IDs / Passports
Business plan / loan purpose statement
National ID or Passport
Land title / certificate of title
Valuation report from approved valuer
6-month bank statement
Approved building plan (for construction)
Sale agreement / purchase contract

Simple process

How to apply for a loan

Our streamlined process gets you from application to disbursement as quickly as possible.

1

Choose your product

Select the loan type that matches your need — personal, business, home, or asset finance.

2

Prepare documents

Gather your ID, income proof, and any other documents listed for your chosen loan type.

3

Submit application

Visit any UNCDF Bank branch, apply via the UNCDF Mobile App, or speak with a relationship manager.

4

Receive your funds

Once approved, funds are disbursed directly to your UNCDF account — often within 24–48 hours.

Loan calculator

Know before
you borrow

Use our calculator to estimate your monthly repayment and total interest. Results are indicative only.

  • No commitment — just explore your options
  • Adjust amount, term and rate in real time
  • Visit a branch to get a personalised quote

Repayment Estimator

Monthly payment

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Total repayment

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Total interest

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* Indicative only. Actual rates and repayments may vary. Subject to credit assessment and UNCDF Bank DRC lending policies.

Talk to a loan advisor

FAQs

Common questions about borrowing

Everything you need to know before applying for a loan at UNCDF Bank DRC.

Speak to an advisor
Approval timelines vary by product. Salary loans for existing customers can be approved within 24 hours. Personal and SME loans typically take 2–5 business days once all documents have been submitted. Mortgage loans may take 7–14 business days due to property valuation requirements.
Not always. Salary loans and smaller personal loans for confirmed employees are typically unsecured. Larger amounts — especially business loans and mortgages — may require collateral such as land titles, vehicle logbooks, or other bankable assets. A loan officer will advise you during the application process.
Yes. UNCDF Bank DRC allows early repayment on all loan products. Early repayment can significantly reduce the total interest you pay. Please check your loan agreement or speak with your relationship manager for any applicable early-settlement conditions.
Missing a repayment may attract a penalty charge and could negatively affect your credit rating. If you anticipate difficulty making a payment, contact UNCDF Bank DRC as soon as possible. Our team can discuss restructuring options to help you stay on track.
Yes. Eligible customers can apply for select loan products — including salary loans and personal loans — directly through the UNCDF Mobile App. Larger or more complex products such as mortgages and asset finance require a branch visit or meeting with a relationship manager.
Most UNCDF Bank DRC loans come with optional credit life insurance, which clears the outstanding loan balance in the event of the borrower's death or permanent disability. This protects your family from inheriting debt. Ask your loan officer about coverage options when applying.

Ready to take the next step?

Our loan advisors are on hand across 72 branches countrywide — or apply right now through the UNCDF Mobile App.

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