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#1 microloan in DRC • Licensed • 312,000 clients

Fast cash in 15 min Kinshasa to Goma

loan.cd gives instant loans from 50,000 to 15,000,000 CDF directly to your mobile money. No collateral, no queues, no paperwork. Just your phone and ID. 98% approval rate.

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15 minaverage payout
98%approval rate
312Khappy clients
4.9★12,400 reviews
✓ 2,500,000 CDF sent
M-Pesa • Approved
Congolese entrepreneur receiving mobile loan in Kinshasa
Maman Bijou Shop
Kinshasa • Matonge • approved 4 min ago
2.5M CDF
M-Pesa
Instant
Airtel
Instant
Orange
Instant
INSTANT LOANS • 50,000 CDF — 15,000,000 CDF • NO COLLATERAL • M-PESA • AIRTEL MONEY • ORANGE MONEY • 15 MINUTES • INSTANT LOANS • 50,000 CDF — 15,000,000 CDF • NO COLLATERAL • M-PESA • AIRTEL MONEY • ORANGE MONEY • 15 MINUTES • 
Kinshasa city business district at sunset
✓
Since 2018 in DRC
Head office: Blvd du 30 Juin, Kinshasa-Gombe. Licensed microfinance partner.
● About loan.cd

We built banking for real Congo

Banks ask for salary slips, guarantees, weeks of waiting. Market mamas, moto drivers, students, small shops — they need money today. loan.cd was created in Kinshasa to solve exactly that. 100% online, 100% in French, Lingala and English, with payout to the mobile money you already use.

7 years
in DRC market
1.2B CDF
disbursed monthly
26 cities
coverage
2018 — Founded in Kinshasa
First 1,000 loans to Matonge market traders.
2021 — Mobile money integration
M-Pesa, Airtel, Orange instant disbursement launched.
2024 — 300K clients
AI scoring without credit history. Approval in 4 minutes.
2026 — loan.cd 3.0
Business loans up to 15M CDF, 0% first loan for new clients.
See loan types Read our journal
Small business owner counting Congolese francs

Why 312,000 Congolese chose us

No hidden fees. You see total repayment before you sign. Early repayment = 0% penalty. We report good payers to build your credit history for bigger loans.

Young woman using smartphone for mobile banking

Transparent & secure

Data encrypted, servers in DRC & EU, support 7/7 in French/Lingala on WhatsApp and call center 0800. No spam, no sale of data. Regulated microfinance activity.

● Our products

Loans for every life situation

Choose your amount and term. All loans include free insurance for illness delay and possibility to extend by 14 days in one click.

⚡

Flash loan

50K – 500K

CDF for 7-30 days. For urgent needs: pharmacy, transport, stock. Payout in 15 min. 0% for first 200K.


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🏪

Business Boost

500K – 5M

CDF for 1-6 months. For shops, restaurants, tailors, moto. Only ID + mobile money history. No business plan.


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🎓

School & Family

200K – 2M

CDF for school fees, rent, health. Special grace period in September. Repay monthly via mobile money.


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🚜

Agri loan

1M – 10M

For farmers in Kongo-Central, Nord-Kivu. Seasonal schedule, harvest repayment. Partner agronomist support.


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🏢

Pro Max

5M – 15M

For SMEs with 6+ months activity. Dedicated manager, 12 months term, rate from 3.5%/month decreasing.


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📱

Phone credit

10K – 100K

Instant airtime advance repaid automatically. Build history to unlock bigger loans.


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● Interactive calculator

How much will you pay?

Example: rate 8% for 30 days. No hidden fees. Early repayment free. First loan up to 200,000 CDF at 0%.

You receive now
1,000,000 CDF
To repay
1,080,000
Per day
36,000
Payout to: M-Pesa • in 15 min
Confirm and get money
📝

1. Apply 3 min

ID + phone number. No papers.

🤖

2. AI check 4 min

We score mobile history, not banks.

💸

3. Get cash 8 min

Direct to M-Pesa / Airtel / Orange.

🔁

4. Repay & grow

Good pay = limit x5 next time.

Get 200,000 CDF at 0% — first loan free

Fill 30 seconds form. Decision by SMS in 4 minutes. Money on mobile money in 15 minutes. No call to boss or family.

  • ✓ 18+ years, any province of DRC
  • ✓ Valid ID or voter card + selfie
  • ✓ Active M-Pesa / Airtel / Orange for 3+ months
Mobile money payment with smartphone in Africa

Quick application

Demo form — our manager calls you back in 10 min (8h-20h).

● Reviews

Loved from Kin to Lubumbashi

★★★★★

"I needed stock for my boutique in Gambela. Applied at 9:12, money at 9:27 on Airtel. Saved my week!"


— Divine M., Kinshasa
Business Boost 1,200,000 CDF
★★★★★

"School fees for 3 kids. No bank would help without salary. loan.cd gave 800k for 60 days. Repaid via M-Pesa little by little."


— Patrick K., Lubumbashi
School loan 800,000 CDF
★★★★★

"Moto panne in Goma. Flash loan 250k in 15 minutes. First loan was 0% — I repaid 250k exactly. Serious!"


— Aline & Jonas, Goma
Flash 250,000 CDF
● FAQ

Questions? Answers.

Still unsure? Call 0800 toll-free 8h-20h or write on WhatsApp. Average answer 2 minutes.

Secure online payment and financial protection
What documents do I need? +
Only national ID, voter card or passport + selfie + active SIM registered in your name. No salary slip, no collateral, no guarantor.
How fast is payout? +
4 minutes for decision, up to 15 minutes for mobile money transfer to M-Pesa, Airtel Money or Orange Money 7/7 including Sundays.
What is the interest rate? +
From 0% for first loan up to 200k, then 6-12% per 30 days depending on history. You see exact total before signing. No hidden fees.
What if I delay repayment? +
3 days grace free. Then you can extend 14 days in one click for small fee. We never call your family — we find solution with you.
Which cities are covered? +
All DRC: Kinshasa, Lubumbashi, Goma, Bukavu, Kolwezi, Kisangani, Matadi, Kananga + rural zones via mobile money.
● Journal & financial literacy

Latest news & guides

Updated weekly by our economists in Kinshasa
Iptv 4k Portugal
Oct 27, 2026 • loan.cd guide

Iptv 4k Portugal

IPTV et gestion du budget en RDC : le sport en direct sans exploser vos dépenses Chez loan.cd, la priorité...

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