SME Loan
Working capital and growth financing for small and medium-sized enterprises.
Explore loan →Together We Illuminate
Finance that moves your future forward.
Melac Microfinance provides accessible loans and responsible financial guidance for families, employees, entrepreneurs and growing communities in Mwanza, Geita and across Tanzania.
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Simple processClear steps and personal assistance
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Timely decisionsResponsive service when it matters
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Responsible supportGuidance before and after borrowing
Loan solutions
Choose financing built around real life.
From school fees and salary needs to business expansion, construction and vehicle ownership.
Salary Loan
Convenient personal financing with repayments aligned to your salary cycle.
Explore loan →Personal Loan
Flexible financing for home, family, travel, ceremonies, and other personal needs.
Explore loan →Group Loan
Inclusive financing for organized groups built on mutual accountability.
Explore loan →Agricultural Loan
Purpose-built funding for farmers, agribusinesses, inputs, equipment, and production.
Explore loan →Asset Finance Loan
Acquire productive machinery, equipment, technology, and other business assets.
Explore loan →
6Purpose-built loan products for different goals.
About MelacDiscover our story
More than finance. A partner in progress.
Melac Microfinance is committed to bridging the gap between ambition and opportunity through tailored loan services for individuals and groups.
We combine access to finance with practical economic education so customers can make informed decisions and build lasting financial resilience.
Customer focused
Transparent service
Professional team
Community minded
How it works
A clear path from application to support.
Tell us your goal
Choose the loan that best matches your need and submit your details.
Speak with our team
We review your request, explain the terms and guide you through requirements.
Move forward
Once approved, funds are disbursed through cash, mobile money or bank transfer.
Plan your repayment
Estimate your monthly payment.
Use this simple calculator for planning only. Final pricing and repayment terms are confirmed by MELAC after assessment.
Loan calculator
Estimated monthly payment
Ready to take the next step?
Tell us what you are working toward. A member of our team will contact you and explain the most suitable option.