Personal Loans

In view of the fact that most MSME businesses are lifestyle businesses, or at the least are closely tied in with the owners' personal lives, the SMEAZ SACCOS offers a range of personal loan products to cover critical life areas.


Buying household furniture and items is also a problem, as typically credit stores ask for payslips and proof of income associated with formally employed persons. We therefore also have the personal credit guarantees to address such issues as well.




The general rule for all loans is that they are up to a maximum of six times the amount you have in savings. Assessments will also be done of your creditworthiness as well as ability to repay.


Members can apply for all personal loan products, subject to a three month waiting period. Non-members are not eligible to receive loans directly from the SMEAZ SACCOS, but we work with various financial institutions to whom we can refer non-members participating in our savings products, in case of need. Your savings history as well as accumulated savings can be used by the financial institution to assess your eligibility for loans.


Non-members are eligible for emergency loans and credit guarantees, though.


The following are the personal loan products available:


The SMEAZ SACCOS is a regulated body registered under the Ministry of Women Affairs, Community & SME Development. Its funds and operations are controlled and overseen by strong independent committees drawn from its membership. Our products are safe, and tailored to meet your requirements as an SME.

Quick Contact

If you have any questions or need help, feel free to contact us.

+263 8677 240480

6th Floor Batanai Gardens,
57 Jason Moyo Avenue (Cnr First Street),
Harare, Zimbabwe