Salary-backed loans
Short-term credit for salaried customers whose income and repayment capacity can be verified.
Learn moreBOT Tier 2 licence MSP2-Y54
TUDUMU Financial Services
Salary-backed loans for Tanzania's working people
Straightforward short-term credit for salaried customers, with affordability review, clear terms, and repayment planned around the salary cycle.
Bank of Tanzania Tier 2 licence MSP2-Y54Dar es Salaam, Tanzania
Licensed microfinance provider
Listed by the Bank of Tanzania as a licensed 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
Financial support built around reliable income
TUDUMU helps salaried customers handle short-term needs and works with institutions that want a more structured way to extend credit to their people.
Employer and group partnerships
Structured lending arrangements for employers, workplace groups, and member organisations.
Learn morePlanned repayment support
Repayment dates aligned to salary cycles, clear schedules, and mandate-supported collection where available.
Learn moreOur promise
A lending conversation you can understand
Good lending is not only about moving money quickly. It is about making the amount, cost, dates, and repayment method clear before a customer commits.
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
TUDUMU's roots go back to a savings and lending group formed in 2016. Monthly contribution, trust, and repayment discipline showed how practical credit could help working people meet real needs.
Community lending experience before the company was formed.
Incorporated in 2023 and licensed as a Tier 2 microfinance provider.
Growing through responsible lending, stronger partnerships, and better customer service.
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.