“I applied on a Tuesday morning and the loan was on my MoMo before lunch. No queue, no payslip, no one telling me to come back tomorrow.”
Uwase Divine
Shop owner, Kimironko
The ChapChap Lending System
Apply For A Loan And Get A Decision Chap Chap
ChapChap Lending gives you a straight answer on your loan in minutes, sends approved funds to your MTN MoMo or Airtel Money, and shows the full cost before you accept a thing.
Funding and disbursement partners we work with
A Lending System Built Around The Borrower
Everything you need to see what you qualify for, what a loan will cost, and what you still owe — without chasing anyone for an answer.
Instant Loan Decisions
Submit your application and the system checks your eligibility straight away. Most borrowers get an answer in minutes, and approved funds go to mobile money the same day.
Every Cost Shown Up Front
Principal, interest, and fees are laid out before you accept. Track each repayment against the schedule and watch your balance fall — no recalculated totals, no surprises later.
How ChapChap Lending Works For You
A loan process designed around how people in Rwanda actually earn, borrow, and repay.
Apply In Minutes
A short form, your indangamuntu, and a mobile money number. No payslips, no guarantors, no branch visit.
Paid To Mobile Money
Approved loans land in your MTN MoMo or Airtel Money wallet, and you repay from the same place.
Limits That Grow
Start small and unlock a higher limit as you repay. A thin credit file is a starting point, not a rejection.
Repay On Your Cycle
Choose weekly or monthly instalments to match how your income actually arrives, and settle early with no penalty.
Your Data Protected
We collect only what a lending decision requires, encrypt it end to end, and never sell it on.
Your Borrowing Power Grows As You Repay
ChapChap Lending tracks every repayment you make. Clear one loan on schedule and the next one comes with a higher limit and a better rate.
Repay your first loan on time
Your limit rises and your rate improves
Unlock longer terms and larger facilities
Key Numbers Behind ChapChap Lending
1200+
Borrowers on the platform
2000+
Loans disbursed to date
4.9/5
Average borrower rating
12 min
Median time to a decision
What Our Borrowers Say
Honest words from people across Rwanda who used a ChapChap loan to keep their business or household moving.
“Seeing the total repayable before I accepted is what won me over. The figure at approval is the figure I paid — it never moved.”
Habimana Eric
Moto driver, Kigali
“My limit has gone up three times since my first loan. Repaying on time actually counts for something here.”
Mukamana Claudine
Salon owner, Nyamirambo
“Instalments come off my MoMo on the same day I get paid, so I have never missed one.”
Niyonshuti Patrick
Driver, Musanze
“Stock ran short right before a big weekend. A Growth loan covered it on the Friday and I cleared it the next week.”
Ingabire Solange
Trader, Nyabugogo
“I settled my loan two months early and there was no penalty for it. That is not something I expected.”
Mugisha Jean
Mechanic, Huye
“I use ChapChap to bridge the slow months. Just knowing the limit is sitting there takes the pressure off.”
Umutoni Grace
Tailor, Kigali
Loan Products That Are Simple And Transparent
Know the rate, the term, and the total repayable before you borrow — no hidden fees, no surprises at the end of the term.
Boost Loan
3.5%per month
For first-time borrowers building a repayment record with small, short-term amounts.
Apply for this loan- Borrow RWF 20,000 – 300,000
- Terms of 1 to 3 months
- Decision in minutes, paid to mobile money
- No penalty for settling early
- Limit increases as you repay on time
Growth Loan
2.9%per month
For traders and small businesses covering stock, supplies, and working-capital gaps.
Apply for this loan- Borrow RWF 300,000 – 5,000,000
- Terms of 3 to 12 months
- Weekly or monthly instalments
- Priority same-day disbursement
- Statements and repayment history on demand
Enterprise Loan
Customrate on assessment
For established businesses managing payroll, expansion, and seasonal cash-flow cycles.
Apply for this loan- Facilities above RWF 5,000,000
- Terms negotiated to your cycle
- Multi-user access for your finance team
- Named relationship manager
- API access for reconciliation
Frequently Asked Questions
Still weighing it up? Here is what borrowers ask us most before they take out their first ChapChap loan.
Anyone over 18 with a valid indangamuntu and an active mobile money number registered in their own name. You do not need a payslip, a guarantor, or an existing bank relationship to get started.
First-time borrowers start on the Boost product, from RWF 20,000 to 300,000 over one to three months. As you repay on time your limit grows, opening up the Growth and Enterprise products with longer terms.
Most applications get a decision within minutes and approved funds go straight to your MTN MoMo or Airtel Money wallet. Larger facilities go through a short manual assessment first.
You see the full amount repayable — principal, interest, and any fees — before you accept. The figure shown at approval is the figure you repay, and settling early costs you nothing extra.
Talk to us before your due date and we will restructure the schedule where we can. Late repayments attract a fee and affect your future limit, so it is always worth reaching out early rather than going quiet.
