We're an international lending community that offers responsible, high-achieving people the chance to raise loans directly from ordinary people all over the world.

Why join Zidisha?

- Open to everyone: You do not need to have collateral assets, a bank account, guarantors, or a salaried job to raise a loan.

- Flexible: You choose your own weekly repayment schedule.

- Community: Loans are funded by other Zidisha members, not banks. You become part of a supportive community of entrepreneurs and lenders from all over the world.


What are the eligibility requirements?

- Have your own Facebook account with extensive social connections.

- Have a source of income that will allow you to make repayments each week.

- Be able to secure recommendations from people in your community.


How much can I borrow?

Credit limits start small and increase with each loan repaid on time, up to a maximum of US $10 000.


What are the fees and interest?

Zidisha loans do not carry interest. Borrowers pay a service fee of 5% of the loan amount, to cover the cost of transferring and administering the loan.

Loans also carry a credit risk payment ranging from 5% to 30%, which is used for reimbursing lenders in the event of default. The credit risk payment decreases as you build a history of on-time repayments.

A one-time premium membership payment may be required in order to access higher credit limits.