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

Shine Personal Loan

Life comes with unexpected expenses and responsibilities. The Shine Personal Loan gives you a simple way to access funds when it matters, without unnecessary delays or confusion. Support your family, handle urgent needs and move forward with confidence, flexibility and peace of mind.
Approval in less than 24 Working Hours
Borrow UGX 2,000,000 - UGX 30,000,000

Loan Overview

Loan Features

Monthly repayments

Make monthly repayments that align with your cash flow.

Reducing balance interest

Interest reduces over time as you repay your remaining loan balance.

Flexible loan term

Choose a loan duration between 2 and 24 months comfortably.

Eligible vehicles

Use your car as security, models of 2005 and beyond.

Keep your car

Continue using your car daily while repaying your loan comfortably.

Loan Requirements

Proof of income

Certified bank or mobile money statements for the last 6 months.

Passport photos

Submit two recent passport photos of the business owner.

Valid identification

Signed copies of your National ID, passport, or driving permit.

Vehicle logbook

Provide a motor vehicle logbook registered in the your name.

Employment documents

Appointment letter, employment ID, and payslips where applicable.

Keep your life going

School fees

Pay school fees on time and avoid disruptions to in child’s education, ensuring they continue learning without stress, delays or missed opportunities during important academic periods.

Medical bills

Handle medical expenses quickly and access the care you need without delays, giving you comfort during urgent situations.

Personal projects

Fund personal goals or projects that matter to you, giving you the flexibility to take action, make progress, and move forward without waiting or putting plans on hold.

What our clients say