Regulated by the Uganda Microfinance Regulatory Authority (UMRA)
Member of the Association of Microfinance Institutions in Uganda (AMFIU)

Your Car : Your Loan

Apply for a loan using your car as collateral. Keep driving it as you repay monthly installments up-to 24 months.
Shine Finance offers a smarter way to access credit by turning your car into a collateral. Our loan approval process is fast, flexible and convenient, allowing you to secure funds while continuing to use your vehicle daily.

Shine Loan Products

Business Loans

Access working capital to manage stock, operations, and cash flow gaps, helping your business.

Personal Loans

Get quick funds for school fees, rent, medical bills, and urgent needs while continuing to use your car without disrupting your daily routine.

Fast Cash

Repeat clients can access additional funds quickly through a simplified online process, helping you to access cash in less than 30 mins.

How to Apply for Shine Loan

STEP 1

Chat with a Relationship Manager
Speak with one of our Relationship Manager and tell us about your needs. We’ll guide you through the process clearly.

STEP 2

Get approved and sign

Following approval, we provide a clear review of the loan terms before the signing process is finalized.

STEP 3
Receive your money

Your cash is disbursed fast—often within an hour. You keep driving your car as you repay.

Our Clientele

Salaried Employees

Salaried employees can access quick and reliable financial support for important needs such as school fees, rent, medical bills or unexpected expenses. Our loans are designed to remain manageable and convenient tailored around your monthly income.

Business Owners

Keep your business running smoothly with fast access to working capital when you need it most. Use the loan to restock, manage operations or handle cash flow gaps without slowing down. With flexible repayment options, you can stay focused on growing your business while maintaining full control of your daily activities.

Self-employed Persons

Access cash to support your work, manage daily expenses or handle periods of irregular income. Our flexible approach considers your overall earning pattern, giving you the freedom to stay productive, meet your commitments and maintain stability without putting your work or lifestyle on hold.

Loan Requirements

Car with Logbook

Your car must be legally registered in your name.

Proof of Income

Bank or mobile money statements for the last 6 months.

National ID

Provide a valid national ID to confirm your identity.

Contact Details

Share your phone number, address, and simple contact references.

Frequently Asked Questions

Do you park cars?

No, we don’t. Keep using your car as you repay your loan. Your vehicle remains fully in your possession for work, family, and daily activities. This means there’s no disruption to your routine or income. The logbook is used as security, but your mobility stays intact. Our goal is to give you access to funds while ensuring your lifestyle and responsibilities continue without unnecessary inconvenience or interruption.

No extra fees are charged for early loan settlement.

We focus on delivering a simple, transparent, and customer-first lending experience. From the moment you engage with us, our team is committed to guiding you clearly through every step. We offer competitive interest rates and flexible repayment options designed around your situation. Beyond the loan itself, we prioritize reliability, responsiveness and long-term relationships. We ensure you feel supported not just at application, but throughout your entire loan journey with us.

You qualify by owning a vehicle with a logbook in your name and having a reliable source of income to support repayment. This can include a salary, business income, or other consistent cash flow. Our approach is straightforward and practical, focusing on your ability to repay rather than unnecessary complexity. As long as you meet these basic requirements, our team will guide you through the process and help you move forward with confidence.

Loan amounts typically range from UGX 2 million to UGX 30 million, depending on the value of your car and your ability to repay. We assess both factors carefully to ensure the loan offered is manageable and suitable for your situation. Our goal is to provide an amount that meets your needs while maintaining a comfortable repayment plan, helping you access funds without putting unnecessary strain on your finances.

Our process is designed to be fast and efficient, with many loan applications reviewed and approved within 24 hours after submitting all required details. Once your information is complete, our team moves quickly to assess and guide you through the next steps. We understand that financial needs are often urgent, so we focus on minimizing delays and ensuring that you can access your funds as soon as possible.

Loan duration ranges from 1 to 24 months, giving you the flexibility to choose a repayment period that suits your financial situation. Whether you prefer a shorter-term loan or a more extended plan, we work with you to find a loan schedule that aligns with your income or cash flow. This flexibility helps you manage repayments comfortably while staying in control of your overall financial commitments.