zubaLoan by LUVA TECH delivers instant, accessible mobile-based credit to individuals and small businesses across Uganda โ no paperwork, no hidden fees.
Building financial bridges for individuals and SMEs across Uganda
LUVA TECH INTERNATIONAL LIMITED is a registered fintech company headquartered in Nairobi, Kenya, with deep operational roots in Uganda. We were founded on one belief: that every person, regardless of income level, deserves access to fast, fair, and transparent financial services.
Through our flagship product zubaLoan, we leverage mobile technology and alternative credit scoring to bring instant microloans to underserved communities โ empowering entrepreneurs, smallholders, and families to achieve their goals.
Fully registered with D-U-N-S certification and operating within all applicable financial regulations.
Apply, manage, and repay your loan entirely through your phone โ no bank branch required.
Designed for the real needs of Ugandan borrowers, with local support and culturally relevant products.
zubaLoan provides fast, flexible microloans starting from UGX 60,000 to UGX 800,000. No collateral, no paperwork. Just a phone and a few taps.
No bank visits. No lengthy paperwork. zubaLoan makes the loan process fast and simple.
Download the zubaLoan app and create your account quickly using your national ID and mobile number. No physical documents needed.
Our AI-powered engine analyzes your mobile data footprint to instantly determine your credit limit. First-time applicants start with up to UGX 100,000.
Funds land directly on Mobile Money (MTN or Airtel). Repay on schedule via Mobile Money or our app โ and watch your credit limit grow automatically.
zubaLoan is designed from the ground up to serve the unique financial reality of Ugandan borrowers.
From application to money in your pocket as fast as possible. Our automated system processes approvals 24/7, including weekends and holidays.
Your data is protected with 256-bit AES encryption and biometric authentication. We never share your personal information with third parties.
Every on-time repayment increases your credit score. Start with a small loan and unlock up to UGX 800,000 as your borrowing history builds.
Fully integrated with MTN Mobile Money and Airtel Money. Apply, receive, and repay without ever leaving the mobile ecosystem you already use.
Our Ugandan customer service team is available via in-app chat, WhatsApp, and phone โ in English, Luganda, and Swahili.
Total transparency on every loan. You see the interest, the repayment amount, and the due date before you ever tap "Apply." No surprises.
Join over 50,000 Ugandans already using zubaLoan. Apply easily โ right from your phone.
Have questions about zubaLoan or want to explore a partnership? Reach out to our team.
Headquartered in Nairobi, Kenya, with operations across Uganda and East Africa.