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How to apply

How to apply for a loan in Zimbabwe

Come in with your papers, leave with an answer. Everything is explained and written down.

A market vendor, one of the people we lend to

The short answer

To apply for a loan with Baardy Micro Capital (Pvt) Ltd, visit our Harare or Bulawayo branch with a valid national ID and your latest payslip. Businesses also bring company documents and financials. Our credit team assesses your application, and complete applications get a decision within one working day.

Not ready to visit yet? Send an enquiry and a person will call or WhatsApp you back.

The steps

Three steps, on paper at every one

  1. 01

    Visit a branch with your documents

    Come in to our Harare or Bulawayo branch with a valid national ID and your latest payslip, plus company documents and financials for an SME loan.

  2. 02

    Credit appraisal and approval

    Our team assesses your application and supporting documents. Once it meets the required criteria, it moves forward to approval.

  3. 03

    Loan disbursement

    Once your loan is approved, the funds are disbursed to you according to the agreed terms.

What to bring

Documents needed for a loan in Zimbabwe

A complete application is the fastest one. If yours needs anything else, our team will tell you.

Employee or pensioner

  • A valid national ID
  • Your latest payslip

SME or trader

  • A valid national ID
  • Company documents
  • Company financials

Questions

Before you visit

More answers are on our questions page.

How much can I borrow?

It depends on the product (salary-based, educational, agricultural, women empowerment or SME bridging finance) and on what your income or turnover can support. Your limit is set during credit appraisal, and you see it in writing, with every fee and the total repayable, before you accept.

What documents do I need?

A valid national ID and your latest payslip. If you are applying for an SME loan, also bring your company documents and financials. If your application needs anything else, our team will tell you during appraisal.

How quickly can I receive funds?

Complete applications get a decision within one working day. Once your loan is approved, funds are disbursed on the terms you agreed. An application that is missing documents takes longer, so it is worth bringing everything on the first visit.

Choose a loan

Which loan are you applying for?

Each has its own range, term and paperwork.

A salaried professional in a suit, smiling $2,500 – $150,000 · 1 to 12 months Salary-Based Loans Salaried public and private-sector employees, and government pensioners View loan details A schoolchild holding up work in a classroom $1,000 – $50,000 · 3 to 12 months Educational Loans Parents, guardians and students funding school or tuition fees View loan details A farmer tending a green field of crops $2,000 – $100,000 · 3 to 12 months Agricultural Loans Farmers and agricultural producers funding a season's inputs or production View loan details A woman running her own shop, serving a customer $1,000 – $75,000 · 3 to 24 months Women Empowerment Loans Women entrepreneurs and women-led businesses View loan details Young traders gathered at a phone-case stall $1,000 – $50,000 · 3 to 12 months Youth Empowerment Loans Young entrepreneurs starting or growing a business View loan details A butcher standing in the shop doorway $5,000 – $250,000 · 1 to 12 months SME Bridging Finance SMEs, sole traders and cross-border traders needing working capital View loan details

Get started

Two answers, and we’ll call you back

A person from our team calls you. Applications are made in person at a branch, and nothing is committed until you see the full cost.

Prefer to talk now?

WhatsApp us Find a branch
Baardy Micro Capital
Enquiry
1 Which loan?
Nearest branch

Salary-Based Loans · Harare branch Next: your name and number.