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Who we Are ?

Laina Finance Ltd

Laina Finance is an integrated non deposit taking micro-finance service provider regulated and licensed by the Central Bank of Tanzania to provide financial services for consumers and businesses in the United Republic of Tanzania.
Laina has developed a digital financing platform that includes risk management, credit decision engine and loan management system to operational systems. The platform enables Laina Finance to make instant decision on issuance of micro-loan or purchase finance to be integrated to any transaction enabling consumers paying for almost by instalments.
Laina aims to boost its business partner’s sales by enabling flexible payment options and boosting sales and profits.
Laina’s services are device and service independent and risk free for partners unless otherwise agreed.
In addition to our service portal, Laina has USSD *150*47# to enhance service provision.

Why Choosing Laina Services (Payment Plans For Any Purchases) .
    For Consumers
  • It is extremely convenient due to level of digitisation, its 100% no cash payment.
  • It is very transparent and informative.
  • Payment plans increase personal disposable income.
  • Friendly and responsive customer support.
    • For Businesses
  • Laina Services help improve cashflow management.
  • It is 100% risk free.
  • Increases business sales and profitability.
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What we offer ?

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MNO subscribers device Financing

Laina gives access to device financing to customers on the devices of their choice from our device electronic suppliers if only there are subscribers from mobile network operator (MNO).

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Government and SME device financing

Laina makes life easier and enjoyable to all by coming up with this dedicated idea of service to public and private sectors through Device Financing to all Government and private employees.

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Insurance premium financing

Worried about your insurance payments? Laina offers flexible payment plans for purchases of insurance suitable for individuals, groups and SME’s. Reach out to your nearest insurance company or call us at 0768170000 for more information.

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How Laina device Financing Work

1. Verification and affordability assesment.

Upon scoring consent, customers know what they qualify for in a matter of 60seconds.


2. Selection of payment plan.

After know what you qualify ,You can select a suitable payment plan which is 3 months for MNO subscribers and 6 months for Government employee.

3. Down payment.

After selection of payment plan you will required to make a deposit of 47% for MNO subscriber and 17% for Government employee.



4. Installment settlement.

Pay your monthly instalments through mobile money as per the instructions given on the contract you signed of. Please contact our helpline if you face any issues.