Choose a loan that fits.
Loans & Services
BigChange Fintech Limited offers practical loan solutions for individuals and small businesses across Zimbabwe. We keep the process clear and supportive—helping you understand the right loan option, what’s required, and the next steps from application through to outcome.
Personal, SME, and gadget loans.
Our Loan Options
We provide three focused loan categories designed around real needs—personal support, small business momentum, and essential gadgets. Explore each option below, then apply online or contact our team if you’d like guidance choosing the best fit.
Support for everyday life needs.
Salary-Based (SSB) Loans
Specially designed for government employees whose salaries are processed through the Salary Services Bureau (SSB). These loans offer quick approvals with minimal documentation since repayments are deducted directly at source from your monthly salary ensuring peace of mind for both you and the lender.
Working capital for business momentum.
Loans for Self-Employed Individuals
Perfect for entrepreneurs, freelancers, informal traders, artisans, or anyone without a traditional salary slip. We connect you to flexible financing options that consider your business cash flow, income proof (e.g., bank statements, sales records, or references), and overall repayment ability rather than strict payroll deductions.
Get devices with planned repayment.
Personal Loans for Private Sector Employees
Fast-access funding for salaried workers in the private sector, ideal for emergencies, education, or personal needs.
Support for everyday life needs.
Mortgages & SME Loans
Empowering small and medium enterprises to grow, operate efficiently, and seize opportunities. We facilitate access to working capital loans, capital expenditure financing, stock/inventory funding, or equipment purchases for registered or unregistered SMEs across sectors.
Working capital for business momentum.
Car Loans
Make vehicle ownership affordable and achievable — whether for personal use, business mobility, or family transport. We broker financing for new and used cars (sedans, SUVs, light commercials, etc.) through partnerships with banks, asset finance providers, and dealership networks.
Get devices with planned repayment.
Gadget Loans
Stay connected and productive with affordable financing for essential electronics — smartphones, laptops, tablets, smartwatches, home appliances, or other gadgets. These short- to medium-term loans (often 6–24 months) allow you to acquire the latest technology without paying the full amount upfront.
Clear steps and helpful guidance.
What You Can Expect
We aim to make borrowing straightforward. Clients can expect a supportive experience, clear communication on requirements, and guidance on what happens next. Our focus is to keep the journey understandable and professional—so you feel confident at each stage.
Clarity first
Requirements and next steps explained clearly.
Supportive process
Guidance available when you need it.
Professional service
Respectful communication from start to finish.
Apply, review, then next steps.
How It Works
Our process is designed to be easy to follow. You submit your details, we review and confirm requirements, then we communicate the outcome and what to do next.
Step 1 — Apply
Choose the loan type you want and share your basic details. If you’re unsure which product fits best, our team can assist.
Step 2 — Review & Verification
We assess your application and confirm the requirements. Where necessary, we request supporting information to complete the review properly.
Step 3 — Outcome & Next Steps
If approved, you receive confirmation with guidance on repayment expectations and how to stay on track.
What You May Need To Apply
Requirements Overview
Requirements can differ depending on the product and the review outcome, but these common items help us process applications smoothly:
Checklist
National ID details
Contact information and basic address confirmation
Proof of income or business activity (where applicable)
Any additional documents requested during review
We will confirm what’s required after you submit your application.
Built For Speed And Trust.
Why Clients Choose Us
Whether you’re covering personal needs, boosting your business operations, or acquiring essential devices, our products are designed to support your next step with clarity and dependable guidance.
Trust-Driven Service
We prioritise honest communication, clear guidance, and respectful client handling so every step feels transparent.
Built for Real Needs
Our products are structured around everyday realities — personal goals, business stability, and practical purchases.
Simple, Supported Process
We keep the journey straightforward, with clear requirements, step-by-step support, and helpful follow-ups.
Growth Empowering Solutions
From personal support to SME momentum, we provide financing options that help clients move forward with confidence.
Apply Online Or Talk To Us.
Ready to Get Started?
Apply online or get in touch with our team for guidance.
We’ll help you choose the right loan option, explain the requirements clearly, and walk you through the next steps based on your needs.
Phone/WhatsApp:
+263 77 903 1418
Visit Us
4th Floor, Atlas House, 35 Robert Mugabe Rd, Harare