Our Loan Products

Flexible financing solutions tailored to your needs

Why Choose Our Loans

Features that set our loan products apart

Fast Approvals

Get decisions quickly with our streamlined application process and advanced underwriting technology.

Transparent Terms

No hidden fees or surprise charges. We provide clear, straightforward loan agreements.

Competitive Rates

Enjoy industry-leading interest rates that help keep your costs down.

Flexible Terms

Customize your loan with flexible repayment schedules and term options.

Loan Products

Financial solutions designed for various needs

Personal Loans

For your individual financial needs

Interest Rates Starting At
7.49% APR
Rates vary based on creditworthiness
Loan amounts from UGX 3.7M to UGX 185M
Terms from 12 to 60 months
No prepayment penalties
Fixed monthly payments
Fast funding - as soon as next business day
Apply Now

Home Equity Loans

Leverage your home's value

Interest Rates Starting At
5.25% APR
Rates vary based on creditworthiness
Loan up to 85% of home value
Terms from 5 to 20 years
Potential tax-deductible interest
Fixed or variable rate options
Use for renovations, education, or debt consolidation
Apply Now

Business Loans

Fuel your business growth

Interest Rates Starting At
6.75% APR
Rates vary based on creditworthiness
Loan amounts from UGX 37M to UGX 1.85B
Terms from 1 to 10 years
Unsecured and secured options available
Flexible use of funds for any business purpose
Special programs for startups and established businesses
Apply Now

Interest Rate Comparison

Loan TypeMinimum RateMaximum RateLoan AmountsTerms
Personal Loan7.49% APR18.99% APRUGX 3.7M - UGX 185M12 - 60 months
Home Equity Loan5.25% APR10.75% APRUp to 85% LTV5 - 20 years
Business Loan6.75% APR16.50% APRUGX 37M - UGX 1.85B1 - 10 years
Auto Loan3.99% APR12.99% APRUp to UGX 370M2 - 7 years
Student Loan Refinancing4.25% APR9.50% APRUGX 18.5M - UGX 925M5 - 20 years
Rates effective as of January 1, 2025. Actual rate offered will depend on applicant's creditworthiness and other factors.

Eligibility Criteria

What you need to qualify for our loan products

Personal Loans

  • Minimum credit score of 650
  • Stable source of income
  • Debt-to-income ratio below 40%
  • No recent bankruptcies or foreclosures
  • U.S. citizen or permanent resident
  • At least 18 years of age
  • Valid bank account for disbursement
Note: Meeting the minimum requirements doesn't guarantee loan approval. Each application is evaluated on its individual merits.

Home Equity Loans

  • Minimum credit score of 680
  • At least 20% equity in your home
  • Debt-to-income ratio below 43%
  • Consistent employment history
  • Property must be primary residence
  • Homeowner's insurance required
  • Property appraisal required
Note: Additional documentation including proof of homeownership, income verification, and property value assessment will be required.

Business Loans

  • Business operating for at least 1 year
  • Minimum annual revenue of UGX 370M
  • Business owner's credit score of 650+
  • No recent bankruptcies or tax liens
  • Industry not in restricted category
  • Business plan and financial projections
  • Collateral may be required for larger loans
Note: Start-up businesses may qualify under special programs with additional requirements. Please contact a Business Relationship Manager for details.

Application Process

Four simple steps to secure your loan

1

Apply Online

Complete our secure online application form with your personal and financial information. It takes just 10-15 minutes.

2

Document Verification

Upload the required documents to verify your identity, income, and other information provided in your application.

3

Loan Approval

Our team reviews your application and documents. Most decisions are made within 1-2 business days.

4

Fund Disbursement

Sign your loan agreement electronically and receive funds directly in your bank account as soon as the next business day.

Start Your Application

Frequently Asked Questions

Common questions about our loan products

Still have questions? We're here to help.

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Ready to apply for a loan?

Our simplified application process makes it easy to get the funding you need. Apply today and receive a decision as soon as tomorrow.

Start Your Application Now

Adullam

Adullam Financial Services provides personalized loan solutions to meet your financial needs.

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Contact Information

123 Financial District, Suite 100, New York, NY 10001
(800) 555-1234
info@adullam.com

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