Bingwa Capital Ltd

How it Works

step 1 Employee Registration
If your employer is already partnered with Bingwa:

You're automatically onboarded into our system. You'll receive a prequalified loan limit tailored to your salary

If your employer isn't partnered yet: Let us know their details, and we'll handle the rest!
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step 2 Apply Anytime, Anywhere
Apply for your salary advance through your preferred channel: USSD: Dial our code *218*888# and follow simple steps. Web Link: Access our portal from any device. Apply now Mobile App: Download for the fastest experience.

step 3 Instant Cash
Get your money instantly. No waiting for employer approvals -once you apply, your funds are sent to your mobile wallet or bank account within 2 minutes.
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step 4 Hassle-Free Repayment
Repayments are automatically deducted from your salary at the end of the month. Easy, smooth, and hassle-free.

Frequently Asked Questions

How quickly can I get my money?
Instantly! Once you apply, your loan is disbursed within 2 minutes.
What if my employer is not partnered with Bingwa?
Share their contact details with us, and we'll reach out to get them onboard. If they join, you'll receive a special gift as a thank-you for your referral!
Are there any processing or joining fee?
None. No hidden fees, no surprises'just the amount you need.
Do I need a guarantor to borrow?
Not at all. Your prequalified loan limit is based on your salary alone.