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Jinasue

Overview

Jinasue is a quick and convenient digital loan solution that enables customers to apply for and repay loans directly from their mobile phones. It can be accessed through SimBanking on both the App and USSD (*150*03#)

  • Customers can access up to TZS 1 Million to help manage urgent financial needs or unexpected expenses.

  • The loan is fully accessible via SimBanking, with instant disbursement to ensure timely support when it’s needed most.

  • Offered at a competitive interest rate, making it an affordable and practical solution.

  • Repayments are made automatically from the next deposit into the customer's account, with flexible options of 14 or 30 days, based on the customer's preference.

  • Accessible to any individual provided that he/she is an active CRDB customer.

  • Uniquely designed to accommodate both customers who need quick cash and those requiring a top-up to complete transactions.

  • Customers can access the facility multiple times as long they stay within their limit, offering flexibility and convenience when managing short-term financial needs.

  • Accessible to Any CRDB customer with an active account.

  • Loan qualification depends on how the customer uses his/her account - The more you actively use your account, the more your loan eligibility grows.

FAQs

The Jinasue OD is a convenient way to complete your transaction if you have insufficient funds in your account. It allows you to borrow the necessary amount to cover your purchase, payment or money transfer transaction. 

When you initiate a transaction and have insufficient funds in your account, Jinasue will prompt you for a Jinasue OD loan. If you agree, the required amount will be instantly credited to your account, allowing you to complete the transaction seamlessly. 

Eligibility criteria may vary based on factors such as account history, creditworthiness, and other parameters determined by the bank. A User must have a certain level of account activity and a history of regular deposits to qualify for the loan. 

The borrowing limit depends on various factors, including your account history, creditworthiness, and the bank's policies. The prompt will display the maximum loan amount available to you when you opt for the Jinasue OD loan.

The maximum loan is TZS 1,000,000 (One Million only).

There is a one-time fee of 8% charged on the loan amount.  

The loan amount, along with any applicable fees and interest, will be automatically deducted from your account upon your next deposit. You do not need to take any additional steps to repay the loan. However, the loan must be whole paid within 30 days. 

The loan duration is one month, 30 days. You can repay your loan within one month through several deposits. If you are unable to repay the loan within thirty days, additional fees and interest may apply. It's important to manage your finances responsibly and ensure that you have sufficient funds to cover the loan repayment. 

The availability of the Jinasue OD loan may vary depending on the type of transaction. The Jinasue mobile application will indicate whether the option is available for the specific transaction you wish to complete.

Simply follow the prompts during the checkout process when you have insufficient funds in your account. The application will guide you through the steps to apply for and receive the Jinasue OD loan. 

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