Personal Loans · Kampala, Uganda
Personal loans for the plans that matter.
Prepare for education, medical expenses or improvements at home with a secured personal loan in Kampala, Uganda. Start with the amount you need and a repayment plan your income can support.
- Published amount range
- Ugx 500,000 – Ugx 10,000,000+
- Repayment period
- 1-36 months
Understand the cost
Interest is one part of the total.
The interest, administration and service components total 10% per month. An additional 3% processing charge applies once.
Your total payable depends on the loan amount, repayment period, monthly charges and one-time charge. Confirm the repayment schedule and security requirements with Devine Capital before accepting an offer.
Estimate your repayments- Interest per month
- 2.8%
- Administration per month
- 3%
- Service per month
- 4.2%
- Combined monthly rate
- 10%
- Additional processing charge, once
- 3%
Before you apply
Prepare your documents.
These are the documents listed for personal loans. Having them ready helps the team assess your request.
This is a secured loan. Prepare the relevant security documents and confirm the security needed for your application.
- Valid National ID
- Proof of income
- Bank statements (3 months)
- Employment letter
- Guarantor contact details
- Bank name and account number
- Security/collateral documents
- Proof of security ownership
A considered application
Start with a clear repayment plan.
Define the expense
Separate the essential cost from optional spending so your requested amount has a clear purpose.
Document your income
Prepare proof of income, an employment letter and three months of bank statements for review.
Prepare your security
Gather collateral documents and proof of ownership, together with your guarantor's contact details.
Useful answers
Before your next step.
What documents should I prepare for personal loans?
Prepare Valid National ID, Proof of income, Bank statements (3 months), Employment letter, Guarantor contact details, Bank name and account number, Security/collateral documents, Proof of security ownership. The team reviews the information you submit and may contact you for clarification.
How are the interest and fees combined for personal loans?
The monthly components are 2.8% interest, 3% administration and 4.2% service fee, totaling 10% per month. An additional 3% processing charge applies once. Use the public loan calculator for an estimate. The total payable depends on the amount, repayment period, monthly charges and the one-time charge. Confirm the full repayment schedule with the team before accepting an offer.
How do I apply for personal loans in Kampala?
Review the product details and prepare the required documents, then complete the personal loans application on this website. You can also contact the Devine Capital team at our Kisementi, Kololo office in Kampala for help. An application is subject to review and approval.