Salary-backed loans
Short-term credit for salaried customers whose income and repayment capacity can be verified.
Learn moreBOT Tier 2 licence MSP2-Y54
BOT Tier 2 licence MSP2-Y54
TUDUMU Financial Services
Salary-backed credit, reviewed with care
Short-term credit for eligible salaried customers, subject to identity, income, affordability, and approval checks. Final terms are confirmed before acceptance.
Bank of Tanzania licensed
Listed in the current Bank of Tanzania register as a non-deposit-taking Tier 2 microfinance service provider.
Tanzanian company
Incorporated in 2023 as TUDUMU Financial Services Limited.
Local, direct support
Based in Ilala, Dar es Salaam and available in English and Kiswahili.
What we do
Short-term credit built around verified income
TUDUMU provides individual salary-backed lending and welcomes discussions with institutions seeking a defined, carefully reviewed credit arrangement for eligible people.
Employer and group partnerships
Case-by-case discussions with employers, workplace groups, and member organisations about a possible structured lending arrangement.
Learn morePlanned repayment support
Repayment dates aligned to salary cycles, clear schedules, and mandate-supported collection where available.
Learn morePlan before you apply
Estimate a repayment that fits your monthly picture
Enter an amount, example rate, term, income, and existing commitments to explore an illustrative repayment before speaking with our team.
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Our promise
Know the obligation before you commit
Before accepting a loan, confirm the amount received, total cost, due dates, and collection method. Ask the team to explain anything that is unclear.
Clear terms
You should understand the amount received, total obligation, repayment dates, and collection method before accepting a loan.
Affordability first
Applications are reviewed against verified income, existing obligations, and a realistic ability to repay.
Human support
Customers can speak to the TUDUMU team when they have questions about documents, decisions, or repayment.
Built from lived experience
A company shaped by community discipline
The lending experience behind TUDUMU began with a community savings and lending group in 2016. Monthly contributions, mutual support, and repayment discipline later informed the company that exists today.
Community lending experience came before the company was formed.
TUDUMU Financial Services Limited was incorporated in 2023 and is currently licensed under Tier 2.
The company is developing its services through careful lending and clearly defined partnerships.
A simple path
Know what happens before you apply
Every application is different, but the steps should never feel mysterious.
01
Start a conversation
Tell us what you need.
02
Verify and review
We check the information.
03
Receive clear terms
Understand before agreeing.
04
Set up and receive
Complete the agreement.
05
Repay with support
Follow the agreed schedule.
Start with a conversation
Tell us what you need and we will explain the next step
Whether you are looking for a salary-backed loan or exploring a partnership, the TUDUMU team will guide you to the right conversation.