Educational Loans and School Fees Loans

Overview

School and tuition fees fall due all at once, usually before the money to cover them has arrived. An educational loan spreads that cost over months you can plan for, so a child or student does not miss a term.

The loan supports education expenses at various levels, for parents, guardians and students. You agree the repayment schedule before you accept, and the total you will repay is written down first.

At a glance

Amount: $1,000 – $50,000
Term: 3 to 12 months
Decision: In one working day
Best for: Parents, guardians and students funding school or tuition fees

Your own limit is set when your application is assessed. A decision in one working day applies to complete applications.

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Quick answers

What is an educational loan?

An educational loan spreads the cost of school or tuition fees over several months instead of one payment. It supports education expenses at various levels, for parents, guardians and students. Baardy Micro Capital, a licensed credit-only microfinance lender, offers educational loans in Zimbabwe, with a repayment schedule you agree before you accept.

Where can I get a school fees loan in Zimbabwe?

At Baardy Micro Capital (Pvt) Ltd, in person at our Harare or Bulawayo offices. Bring your documents, and a person assesses your application. Complete applications get a decision within one working day, and the full cost is written down before you accept.

What documents do I need for an educational loan?

Bring a valid national ID. If your application needs anything else, our team will tell you during appraisal.

Last reviewed 4 October 2026

Is it for you

What educational loans are for

The purposes this loan is meant for, and the people it is meant for.

A schoolchild holding up work in a classroom

You can use it for

School fees, from primary school up
College and university tuition
Education costs that fall due before your income arrives

It is meant for

Parents and guardians funding a child's schooling
Students funding their own tuition
Employed families who need fees spread across the term

How to apply

Come in with your papers, leave with an answer

Applications are made in person, so you can ask questions and see everything in writing.

What to bring

A valid national ID

If your application needs anything else, our team will tell you during appraisal.

01

Visit a branch with your documents

Come in to our Harare or Bulawayo branch with your valid national ID, and anything else our team asks for.
02

Credit appraisal and approval

Our team assesses your application and supporting documents. Once it meets the required criteria, it moves forward to approval.
03

Loan disbursement

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

Questions

Before you apply

If yours is not here, a person will answer it. Call us on +263 772 550 189.

01

Who can apply for educational loans?

Educational Loans are for parents and guardians funding a child's schooling, students funding their own tuition and employed families who need fees spread across the term. Applications are made in person at one of our branches, and a person reviews every one.

02

What do I need to bring?

Bring a valid national ID. If your application needs anything else, our team will tell you during appraisal.

03

How much can I borrow, and for how long?

Amounts for this loan range from $1,000 to $50,000, over 3 to 12 months. Your own limit is set during credit appraisal and depends on what your income or turnover can support. You see it in writing, with every fee and the total you will repay, before you accept.

04

How quickly will I get a decision?

Complete applications get a decision within one working day. An application that is missing documents takes longer, so it is worth bringing everything on your first visit.

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