What We Offer
Our Loan Products
From 300,000 to 5,000,000 RWF — we have a loan for every need, processed in as little as 2 hours.
Loan Range
300K – 5M RWF
Processing Time
Under 2 Hours
Repayment Term
1–2 Months
Interest Rate
Low & Competitive
Salary Loan
For Employed Individuals
Our Salary Loan is tailored for employed individuals who need funds before their next payday. It's one of our most popular products due to its simple eligibility criteria and fast turnaround.
- Available to formally employed applicants
- Loan amount based on salary
- Minimal documentation required
- Disbursed within 2 hours of approval
Quick Loan
Emergency Cash, Fast
Life doesn't wait, and neither do we. Our Quick Loan is designed for urgent situations where you need cash immediately — medical emergencies, unexpected bills, or time-sensitive opportunities.
- Approved and disbursed in under 2 hours
- Simple online or in-person application
- Flexible amounts from 300K RWF
- Minimal eligibility requirements
Personal Loan
For Life's Big Moments
Whether you're paying for a medical procedure, school fees, home renovation, or a special event, our Personal Loan gives you the financial flexibility to handle life's expenses on your terms.
- Use funds for any personal need
- Competitive interest rates
- Up to 5,000,000 RWF available
- Flexible repayment plan
Business Loan
Grow Your Enterprise
For entrepreneurs and small business owners in Rwanda, our Business Loan provides the capital needed to invest in inventory, equipment, staff, or expansion — helping you scale with confidence.
- Working capital and growth financing
- Suitable for SMEs and sole proprietors
- Amounts up to 5,000,000 RWF
- Tailored repayment schedules
Pay Day Loan
Daily Repayment, No Payslip Needed
Our Pay Day Loan is designed for individuals with a steady income who prefer to repay in small daily instalments until the full amount is cleared. No salary slip required — ideal for traders, vendors, and self-employed earners.
- No salary slip or work contract required
- Repaid in daily instalments
- Flexible for traders and self-employed earners
- Fast approval, minimal documentation
Be Prepared
Required Documents
Having the right documents ready speeds up your application significantly. Our team is here to help if you have questions.
Our Commitment
Responsible Lending
At Heza Financial Services Ltd, we believe in lending responsibly. We assess each application carefully to ensure clients can comfortably repay their loans without undue financial strain. Our goal is your financial empowerment — not dependence.
Apply Today