Lending software for Tanzania

The Bank of Tanzania licenses digital and microfinance lenders, and wallets reach almost every town. lendhero arrives with Creditinfo Tanzania, NIDA and M-Pesa already connected, so your team configures products instead of plumbing.

See the local stack
  • TZS (TSh)
  • Swahili, English
  • 15 local connectors
  • 1–2 weeks to launch

Habari, Neema

ApprovedTSh 500,000

718

Credit score

On-time payments

Monthly paymentTSh 49,200

Market profile

Tanzania at a glance

What lendhero is set up for in Tanzania before your team logs in.

Currency

TZS (TSh)

Languages

Swahili, English

Supervisor

Bank of Tanzania

Credit data

Creditinfo Tanzania, Dun & Bradstreet Tanzania

Payout rails

M-Pesa, Mixx by Yas, Airtel Money

Data protection

the Personal Data Protection Act

15
local connectors wired in before kickoff
TZS
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Swahili, English

Working with borrowers in Tanzania

Tools for every borrower conversation

Borrowers in Tanzania apply, sign, pay and come back for repeat loans in Swahili and TZS.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Africa's Talking automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowAfrica's Talking
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Swahili.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Neema · Consumer loan, 6 months · TSh 500,000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Tanzania stack, connected before kickoff.

Creditinfo Tanzania, NIDA, M-Pesa and WhatsApp Business are wired in before launch. Anything else comes through the open API.

  • Credit bureaus & registries2 connectors
    • CCreditinfo Tanzania
    • DDun & Bradstreet Tanzania
  • Identity & KYC2 connectors
    • NNIDA
    • SSmile ID
  • Bank & alternative data2 connectors
    • MMobile money statements
    • BBank statement parsing
  • Disbursement rails4 connectors
    • MM-Pesa
    • MMixx by Yas
    • AAirtel Money
    • HHaloPesa
  • Repayments & collections3 connectors
    • MM-Pesa
    • MMixx by Yas
    • AAirtel Money
  • Messaging3 connectors
    • WWhatsApp Business
    • AAfrica's Talking
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Tanzania

Applicants are checked with Creditinfo Tanzania and Dun & Bradstreet Tanzania, and money moves via M-Pesa and Mixx by Yas.

Client checks

Checks connected in Tanzania:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationNIDA, Smile IDPass
  • Credit bureausCreditinfo Tanzania, Dun & Bradstreet TanzaniaPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataMobile money statements, Bank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Tanzania:

DisbursementM-Pesa, Mixx by Yas, Airtel Money in TZS
RepaymentM-Pesa, Mixx by Yas, Airtel Money
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • M-Pesa
  • Mixx by Yas
  • Airtel Money

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in TZS are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

TSh 500,000

On track
Auto-calculated · 200+ parametersManual edit
Repaid TSh 178,330 of TSh 535,0002 of 6 payments
DateAmountStatus
Sep 4TSh 89,170Paid
Oct 4TSh 89,170Paid
Nov 4TSh 89,170Due in 7 days
Dec 4TSh 89,170Upcoming
Jan 4TSh 89,170Upcoming
Reminder sentYour payment of TSh 89,170 is due Nov 4

Loan flow

How a loan runs in Tanzania. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Swahili and English.
  2. 02VerifyIdentity and documents are checked through NIDA and Smile ID.
  3. 03DecideScorecards pull Creditinfo Tanzania and Dun & Bradstreet Tanzania data and return a decision in seconds.
  4. 04DisburseFunds go out via M-Pesa or Mixx by Yas in TZS, straight after signing.
  5. 05CollectRepayments arrive via M-Pesa and Mixx by Yas, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

TSh 500,000

Next payment

TSh 89,170 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

NeemaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Tanzania launch on .

MicrofinanceGroup and individual loans for MFIs and cooperatives.
Wallet nano-loansSmall loans scored on wallet history and paid out in minutes.
SME working capitalShort-term lines for traders and small businesses.

Compliance

Configured for BoT and the Personal Data Protection Act.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Tanzania.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the Personal Data Protection Act requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the Personal Data Protection Act.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for BoT rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in East Africa

All Africa markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Tanzania?+

Yes. The platform is set up for TZS, Swahili and English and BoT requirements, with 15 local connectors ready on day one.

Which credit data sources are connected in Tanzania?+

Creditinfo Tanzania, Dun & Bradstreet Tanzania. On top of that, identity checks run through NIDA and Smile ID and bank data comes from Mobile money statements and Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via M-Pesa, Mixx by Yas and Airtel Money in TZS. Repayments arrive via M-Pesa, Mixx by Yas and Airtel Money, with reminders over WhatsApp Business and Africa's Talking.

How long does a launch in Tanzania take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 15 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Tanzania? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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