M
Our mission
Financial inclusion that creates lasting progress.
To be a leading catalyst for financial inclusion by providing accessible, affordable, and innovative financial solutions that foster economic independence and community growth.
Accessible finance. Real possibilities.
Finance that moves life & business forward.
Tailored lending solutions for Tanzanian individuals, entrepreneurs, and SMEs. Built to support timely needs, unlock opportunities, and strengthen economic independence.
Licensed institutionOperating under Tanzania’s Microfinance Act, 2018
RegulatedBy the Bank of Tanzania
Financing with purposeAccessible • Responsible • Tailored
Fedha inayokuwezesha kusonga mbele.
Scroll to explore
Clear guidanceUnderstand your next step
Relevant solutionsFor people and businesses
Professional assessmentApplications reviewed responsibly
Local understandingFocused on Tanzanian customers
Union Financial Services LimitedDar es Salaam, Tanzania
About Union Financial
Closing financial gaps. Opening possibilities.
Union Financial Services Limited (UFS) is a licensed lending institution operating in Tanzania under the Microfinance Act, 2018, and regulated by the Bank of Tanzania.
We specialise in bridging financial gaps for individuals and entrepreneurs who may find traditional banking services out of reach. Our approach centres on accessible, responsible, and innovative financial support designed around genuine personal and business needs.
Our purpose
To help clients unlock potential, improve livelihoods, and build a brighter financial future through tailored lending solutions.
AccessibilityResponsibilityInnovationCustomer focus
V
Our vision
A trusted financial partner for aspiration.
To be the most reliable and accessible financial institution for SMEs and individual aspirations.
Our financial services
Solutions shaped around real financial moments.
From an urgent personal need to a business contract waiting to be fulfilled, explore financing pathways designed for different stages of life and enterprise.
01For employed individuals
Salary Advance Loan
A practical financing option designed to help private- and public-sector employees manage timely financial needs before their next salary cycle.
Useful for planned or unexpected personal expenses that cannot wait.
View full service details 02Support when timing matters
Emergency Loan
Financing for urgent personal needs, with a clear path from enquiry and application through assessment and an eligible financing decision.
For individuals navigating a genuine, time-sensitive financial requirement.
View full service details 03Move with confidence
Ndinga Financing
A vehicle-financing solution for customers seeking a structured way to acquire a car while managing payments over time.
For eligible individuals and entrepreneurs who need dependable mobility.
View full service details How it works
A clear route from need to next step.
Every financing request is different. This simple journey shows what to expect before product-specific requirements are confirmed.
01
Choose a financing solution
Explore the available products and select the option that best matches your personal or business requirement.
02
Submit your application
Share the relevant personal or business information together with the requested supporting documents.
03
Application assessment
Our team reviews the application, supporting information, and suitability of the requested solution.
04
Approval & financing
Eligible applications proceed to an offer and the financing stage, subject to the applicable assessment and terms.
Approval and financing remain subject to assessment, eligibility, supporting documents, and the terms applicable to the selected product.
Why choose us
Professional finance with a human point of view.
Union Financial combines local understanding with a responsible, needs-led approach, so customers can explore solutions with clarity and confidence.
Flexible pathways
A range of solutions for personal needs, mobility, property, and business operations.
Customer-focused support
Guidance that starts with understanding the financing requirement and the customer behind it.
Simple, clear process
A practical application journey with product-specific document guidance.
Business-oriented finance
Purpose-built options for invoices, purchase orders, contracts, and working capital.
Responsible approach
A licensed institution operating under the applicable Tanzanian microfinance framework.
Reliable communication
Direct phone and email channels for questions, application guidance, and next steps.
Who we serve
Finance for people building something that matters.
Our solutions speak to the different ways Tanzanians earn, grow, trade, deliver, and plan for what comes next.
Employed individualsPrivate- and public-sector employees
Entrepreneurs & SMEsOwners managing daily operations and growth
Suppliers & contractorsBusinesses delivering confirmed orders and contracts
Commercial property ownersOwners improving income-generating spaces
Organised groupsVikundi seeking community-focused financial support
Vikundi LoanFinancing support featured in Union Financial’s company materials for organised groups working toward shared economic growth.Ask about group financing
Our brand in action
One purpose. Many ways forward.
The same promise runs through every Union Financial touchpoint: accessible support designed to strengthen independence and community growth.
Our missionFinancial inclusion that reaches further.
Our visionReliable. Accessible. Aspirational.
Responsible financial support can unlock potential and build a brighter financial future for Tanzanians.
UNION FINANCIAL SERVICES LIMITEDFrequently asked questions
Good decisions start with clear information.
These answers provide general guidance. Specific eligibility, documents, amounts, pricing, and terms are confirmed directly by Union Financial for the selected product.
View all FAQsWhat financing solutions are available?
Union Financial presents salary advance, emergency, vehicle (Ndinga), commercial property improvement, invoice/LPO/contract, and working-capital financing. The company materials also feature a Vikundi Loan for organised groups. Contact the team to confirm the most suitable and currently available option.
Who can apply?
The available solutions are intended for different customer groups, including employed individuals, entrepreneurs, SMEs, contractors, suppliers, property owners, and organised groups. Eligibility depends on the selected product and the assessment of the application.
What documents may be required?
Requirements vary by product. You may be asked for identification, income or employment information, business records, bank or mobile-money statements, invoices, an LPO or contract, and other supporting documents relevant to the request. The team will confirm the exact checklist before you apply.
How does the application process work?
Start by choosing a product and contacting Union Financial. You will then submit the required information and documents for assessment. Eligible applications proceed to an offer and financing stage under the applicable terms.
Your next move starts here
Ready to find a financing solution that fits?
Tell us what you are working toward. Our team can help you understand the relevant option, documents, and application steps.
Contact us
Let’s talk about your next step.
Share your financing requirement or contact the Union Financial team directly for product guidance and application information.
Call us0776 852 852Alternative: 0768 852 852Email usunionfinancialtz@gmail.com
LocationDar es Salaam, Tanzania
Business hoursContact our team to confirm
Need more guidance?
Tell us what you need to finance.
Use the dedicated contact page to select a service, describe your requirement, and prepare a complete enquiry for the Union Financial team.
Go to contact page unionfinancialtz@gmail.com