Rates & fees

Your quote, in writing, before you sign.

Every loan is priced on your salary and quoted at the branch – with every charge disclosed on the application form.

Check your quote

Got a quote? See what it really costs.

Type in the amount, the months, and the rate on your written branch quote – and see the instalment, the full cost, and what the charging basis changes.

Loan amount (TZS)

Months to repay

Rate per month (%)

How the quote says interest is charged

Not sure? Ask – it's worth knowing. A flat rate keeps charging on money you have already repaid, so the same percentage costs more.

Monthly instalmentReducing balance

–

Total repayable – · Interest –

The same rate, charged the other way

–

Fill in all three fields and this shows what the charging basis changes.

Estimates only – rounded, with no fees included, and not an offer. Ultimate Finance does not publish rates online: your figures come from the written quote any branch gives you, free, in about 10 minutes.Find a branch →

Side by side

The two loans at a glance.

Your exact rate and instalment depend on your salary – any branch will quote the full amount repayable, in writing, before you commit.

Or read each loan's page →

Published terms for each Ultimate Finance loan product, with unpublished figures quoted at the branch instead.
Term	Salary Advance loans	Check Me Back loans
Who it's for	Workers in the Private and Government sectors	Bank employees
Loan amount	Dependent on the employee's monthly salary	Dependent on the employee's monthly salary
Terms	1 month	1 – 7 months
Security required	None	None
Early settlement	Free – no penalty	Free – no penalty

The two loans, side by side

Published terms for each Ultimate Finance loan product, with unpublished figures quoted at the branch instead.
Term	Salary Advance loans	Check Me Back loans
Who it's for	Workers in the Private and Government sectors	Bank employees
Loan amount	Dependent on the employee's monthly salary	Dependent on the employee's monthly salary
Terms	1 month	1 – 7 months
Security required	None	None
Early settlement	Free – no penalty	Free – no penalty

Before you sign

Seven questions worth asking at the counter.

Any branch can answer all of these on the spot – and put the answers on the form.

What is the total amount I will repay?

Not just the monthly instalment – the full figure with every charge included. It is the one number that lets you compare loans.

What is the interest rate, and is it charged flat or on a reducing balance?

The same percentage costs substantially more on a flat basis than on a reducing balance, because a flat rate keeps charging on money you have already repaid.

Which fees are added, and what is each one called?

Ask for them by name – application, processing, insurance, disbursement – rather than accepting a single combined figure.

How much will actually reach my hands?

If any charges are deducted at disbursement, the amount you receive differs from the amount you are borrowing. Ask for both figures.

What happens if a repayment is late?

Ask for the charge, how it is calculated, and whether it repeats. Better to know before you sign than after.

What happens to the balance if my employment ends?

These loans are assessed against your salary, so it is worth knowing the answer before you sign rather than afterwards.

May I take the agreement away and read it before signing?

A lender confident in its pricing has no reason to refuse. Ultimate Finance states that every charge is disclosed on the application form.

Get your quote

Know the exact cost before you commit.

Any branch will quote the full amount repayable on your salary – in writing, no obligation.

Find a branch Call +255 677 113 485

No smartphone? Dial *149*46*13# from any phone.