Loan application

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National ID

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Scanned: Aline Uwase, ID 1198 8000 1234 5678

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Reason for loan Please choose a reason to continue.

Application summary

ProductInstant Cash Loan

AmountRWF 150,000

Term3 months

Est. monthlyRWF 53,500

Disbursed toEfashe Wallet

RepaymentMTN auto-debit

Note: Your credit is assessed instantly. You will see the final offer with all fees before you accept.

Your permission, before we look

Step 3 of 4 - Instant Cash Loan, RWF 150,000 over 3 months

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We cannot pull your credit record without this. The consent is versioned and timestamped, and the bureau call is refused by our own systems if it is missing or has been withdrawn. That is enforced in code, not in policy.

Credit bureau check. Allow Efashe to ask TransUnion Rwanda for your credit record for this application. Required, because a lender that does not look is a lender that lends badly. Use my wallet and telecom history. Allow Efashe to use my own transaction history and my MTN or Airtel usage pattern to work out what I can afford. Required. Keep me on file for future offers. Optional. Withdraw it any time from Privacy and Consent and it stops applying from that moment.

Consent version you are accepting	LEND-BUREAU v3
Recorded against	Your party record, with the channel and time
How to withdraw it	Privacy and Consent, at any time
What withdrawal does	Stops future pulls. It cannot unsee a pull that already happened, and we say so rather than implying otherwise.

Here is your offer

Decided in 1.8 seconds - no human involved

Approved

You asked for	RWF 150,000
Approved	RWF 150,000
Term	3 months
Interest	3.5% per month on the reducing balance
Origination fee	RWF 2,500, taken from the disbursement
Monthly instalment	RWF 53,500
Total repayable	RWF 160,500
First instalment due	19 August 2026
You receive	RWF 147,500 in your wallet
Repayment	MTN auto-debit on the due date, or pay early any time with no penalty

Nothing here changes after you sign. The rate, the fee and the instalment are fixed at signature and are what the loan is booked at.

I have read the key facts statement and the loan agreement, and I authorise the MTN auto-debit mandate for the instalments above.

The money is in your wallet

Signed and disbursed just now

RWF 147,500

Loan referenceLN-2026-9042

PrincipalRWF 150,000

Origination feeRWF 2,500, deducted

Total repayableRWF 160,500

First instalmentRWF 53,500 on 19 August 2026

Auto-debitMTN +250 788 123 456, active

Wallet balance nowRWF 331,750

Agreement signede-sig 2026-07-19 14:42 UTC+2

Your signed agreement is in the WORM store and a copy has been emailed to you. It cannot be altered by anyone, including us.

Manage this loanBack to my wallet

We cannot lend this time

Decided in 2.1 seconds - application LA-2026-33190

Declined

This is not a judgement about you and it is not permanent. Two things drove it, both of which change with time.

Factor	Effect	What changes it
An arrear on your bureau record	Negative, heavy	A closed RWF 80,000 account with MTN Mobile Money, 62 days late in March 2026. It ages out of the heavy weighting after 6 months.
Requested amount against your inflow	Negative	RWF 150,000 is 48% of your monthly inflow. Under 35% would pass.
Wallet history length	Positive	14 months, which counts in your favour
KYC tier	Positive	Tier 2, no obstacle

You can apply again from 19 August 2026, or now for a smaller amount. RWF 90,000 over 3 months would sit inside the affordability test on your current inflow.

Ask why, or dispute the bureau record Back to loans

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Application	LA-2026-33190
Started	Today, 14:31
Last saved	Today, 14:38, on this device
Steps done	Amount and term, purpose
Still to do	Consent, then the decision
Draft expires	30 days from the last save