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Airtel QuickLoan

Airtel Money (Airtel-HFB)

High Daily Interest Rate

Airtel QuickLoan charges 1% interest per day, which equates to approximately 30% per month or 365% per year. This is significantly higher than traditional loans. Consider this loan only for very short-term emergency needs.

About Airtel QuickLoan

Airtel QuickLoan is a short-term microloan product offered through Airtel Money in partnership with Housing Finance Bank (HFB). It provides instant top-up loans to complete transactions when your wallet balance is low, offering credit at the point of purchase.

The product is designed for emergency financial needs and short-term cash flow gaps for existing Airtel Money customers. Loan amounts vary based on your usage history and repayment behavior.

Interest Rate

1% per day (~30% monthly, ~365% APR)

Loan Amount

Varies by user profile (typically UGX 5,000 - 500,000)

Loan Tenure

15 days

Processing Fee

2% application fee

Key Features

  • Instant approval and disbursement
  • Credit at point of purchase when wallet balance is low
  • No collateral required
  • Funds automatically debited from Airtel wallet on due date
  • Available 24/7 via USSD code 1857*10#
  • Loan limits increase with good repayment history
Loan Summary
Provider:Airtel Money (Airtel-HFB)
Loan Type:Mobile Money Microloan
Interest Rate:1% per day
Effective APR:~365%
Loan Amount:Varies by user profile
Tenure:15 days
Processing Fee:2% application fee
Collateral:None required
Processing Time:Instant
Need Help?
Contact Airtel Customer Support

Customer Care

100 (Toll-free from Airtel)

Alternative Number

0312 330 330

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Loan Calculator

Use our calculator to estimate your total repayment amount for an Airtel QuickLoan.

Loan Calculator
Calculate your monthly loan repayments
USh 50,000
15%
0.5 months

Monthly Payment

USh 0

Total Interest

USh 0

Total Payment

USh 0

This calculator provides estimates only. Actual loan terms may vary based on credit history, additional fees, and lender policies.

Note: This calculator provides an estimate based on the 1% daily interest rate for 15 days (approximately 15% total). Actual amounts may vary.

Important Considerations

Advantages

  • Instant access to funds 24/7
  • No collateral required
  • Simple application process via USSD
  • No paperwork or branch visits needed
  • Builds credit history for future borrowing

Disadvantages

  • Very high effective annual interest rate (~365% APR)
  • Short repayment period (15 days)
  • Additional 2% application fee
  • Limited loan amounts for new borrowers
  • Automatic deductions may cause cash flow issues

Alternative Options to Consider

Before taking a high-interest mobile money loan, consider these alternatives that may offer better terms:

Bank Salary Loans

If you have a regular salary, bank salary loans typically offer much lower interest rates (16-18% p.a.) and longer repayment periods.

View Bank Salary Loans
SACCO Loans

Savings and Credit Cooperatives (SACCOs) often provide loans at competitive rates to members who have been saving with them.

Explore SACCOs
Employer Advances

Some employers offer salary advances or emergency loans to employees at low or no interest, which can be a better option for short-term needs.