Calculate Your Monthly Repayment & Apply
Choose your loan category, customize the borrowing amount and repayment tenure to get an immediate, transparent estimate at our 8% reducing balance rate.
Direct Credit & Repayment Simulator
Comprehensive Credit for Every Ambition
Explore our full range of 6 specialized loan products with 8% interest and 24-hour turnaround.
Business Loans
For entrepreneurs who want to expand, increase stock, improve operations, or manage temporary cash-flow needs.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Review
- Collateral: Business/Physical Assets
Individual Loans
Flexible financing for individuals who need financial support for personal and planned needs with manageable terms.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Review
- Collateral: Personal Assets / Guarantor
Group / Cooperative Loans
Financing solutions for organized groups and cooperatives working together toward shared economic goals.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Review
- Collateral: Group Mutual Guarantee
Construction Loans
Financial support to help you start, continue, or complete construction projects and home improvements.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Review
- Collateral: Land Title / Property Deed
School Loans
Support for school-related financial needs, helping you meet important education expenses and tuition on time.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Review
- Collateral: Asset Guarantee / Security
Emergency / Cash-Flow Support
When business or personal cash is tight, we can help provide timely financing so you can keep moving forward.
- Rate: 8% Reducing Balance
- Speed: 24-Hour Priority
- Collateral: Movable Asset / Guarantee
Why Choose SAWA CREDIT LTD?
Our institutional values ensure clear communication, rapid turnaround, and responsible lending.
24-Hour Service
Once you submit all required documents and meet the requirements, we aim to provide your loan within 24 hours.
Small Interest (8%)
We offer loans at competitive, affordable 8% interest rates with zero hidden fees.
Trust & Transparency
We value trust, clear communication, and responsible lending practices.
For Your Growth
Our financing is designed to help businesses, individuals, and groups move forward.
Client Stories & Trusted Growth
Read how Rwandan entrepreneurs, individuals, and cooperatives partner with SAWA Credit to achieve their ambitions.
Get Funded in 24 Hours
Follow our fast 3-step workflow from application to disbursement.
1. Apply & Submit Collateral
Fill out our fast online form or visit Ingezi House with your National ID and collateral details (car logbook / Yellow Card, land title, equipment, or group guarantee).
2. 24-Hour Review
Our credit committee quickly inspects your application and collateral, finalizing your 8% transparent repayment schedule.
3. Instant Disbursement
Sign your agreement and receive your funds via MTN Mobile Money or direct bank transfer within 24 hours.
Scheduled Bank Transfer & Repayment Guidelines
Pay your monthly loan installment securely through verified corporate bank accounts. Your unique loan reference code is issued directly upon approval.