Welcome to Zimba, your financial home.
Uganda's member-owned savings cooperative. Build your savings at 10% p.a., access a loan when you've earned it, and own a share of something that grows with you.
Unlike quick-cash apps, Zimba rewards you for saving first. Your consistency unlocks your access, that's the way it should be.
One-time joining share: UGX 15,000. No employment letter required. Clear terms. No hidden fees.
10% p.a. on savings · 0% loan processing fee · Member-owned · Uganda
How Zimba works for you
Simple principles, real benefits: savings first, access earned, dignity always.
Your savings protect you
We only lend what you've already built.
Every advance is backed by your own savings, so if life gets hard, there's a foundation to stand on, not a debt spiral to fall into.
No pressure, ever
You borrow when you're ready, not when we push you.
Save, belong, participate. Then access opens when it makes sense for you. We don't sell loans at sign-up.
Saving feels lighter than you'd expect
Start with UGX 5,000. No lectures. No pressure.
We're not here to drill discipline into you. Let Zimba hold it for you. Your savings grow at 10% p.a. while you focus on life.
Set it and let it grow
Your money earns 10% p.a. while you focus on life.
Earn, save, belong, borrow, grow: every feature reinforces the same healthy loop. Build the habit and the balance; access follows.
Your money, your choice
We're building the place your money rests, until you decide.
Zimba isn't racing you to a loan. We're the default home for your money before it goes anywhere else.
Life happens, we get it
If you ever fall behind, we'll work with you, not against you.
We invest in recovery with dignity: clear steps, private where it matters, so members can come back, not just pay once and disappear.
Habits beat products.
Trusted partners
"We built our savings first. Then we accessed responsibly."
Patrick & Grace, members
Your financial home
Member-owned cooperative. One-time share to join. Let Zimba hold it for you. Build Growth Savings at 10% p.a., then unlock access when your participation supports it. We value what you build, not paperwork alone.
- Simple joining, no employment letter required
- 10% p.a. on Growth Savings
- Shares and a voice in governance
Save. Qualify. Own.
Three pillars. No hidden fees. Clear terms.
3.5%
Per month on Advances. For the times life happens and you need to borrow. Remember why you are building savings in the first place.
Start without downloading the app
Three products. One financial home.
Wallet · Growth Savings · Advance (when you qualify)
- Move to wallet anytime
- Pay bills
- No minimum balance
- Free
- 10% p.a. returns
- Build savings, unlock access
- Disciplined lock period
- Loan up to 70% of your balance when you qualify
- Up to 70% of your Growth Savings balance
- 0% processing fee
- Declining balance
- Short terms, clear repayment
Member story
"I built my savings first. Then I accessed responsibly."
Esther saved with Zimba Growth Savings. When she was ready to invest in her tailoring business, she qualified for a loan. No collateral, no lengthy waits. She used it for equipment and fabrics. Today her shop employs three people. She still saves first and borrows when she needs to.
Esther Mutesi
Fashion Shop Owner & Ex-Corporate
Saved
UGX 600K
Interest Earned
UGX 96K
Loan
UGX 3M
What members say
Real members. Real progress.
Sarah M.
Marketing Manager • Kampala
"I built my savings with Zimba Growth Savings and the returns are clear. When I needed a loan, my savings had already grown. It feels like a financial home, not a quick-cash app."
James Okello
Content Creator • Mbale
"I saved consistently and qualified for a loan when I needed equipment. The process was straightforward and the terms were clear. No surprises."
Grace Atim
Software Developer • Remote
"Zimba focuses on what I've built in savings, not just paperwork. I appreciate the calm, transparent approach. My savings grow and I can access responsibly when needed."
Your financial home
One-time share UGX 15,000 to join. Build savings at 10% p.a., then access advance when you qualify. Lending is a privilege, not a product.
Secure · Transparent · Member-owned
Get in touch
Questions about membership, savings, or loans? WhatsApp, email, or the form below.
+256 75-826-7255
help@zzzimba.com
Address
Kira, Kampala, Uganda
Working Hours
Mon - Thur: 9:00 AM - 5:00 PM
Support Hours
24/7