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Quick Relief, Trusted Support
Bridge short-term financial gaps with the ICB Salary Advance. Designed exclusively for existing ICB account holders, this facility offers fast and convenient access to funds when you need them most—up to TZS 10 million or your net salary, whichever is lower. With a repayment period of up to 2 months, it’s ideal for managing urgent expenses between paydays. Available to confirmed or contract staff (with less than 6 months remaining), and backed by a Memorandum of Understanding (MoU) with the employer, this loan is simple, secure, and tailored for employed professionals.
Features & Benefits
Quick Processing
Quick approvals with minimal documentation required.
Employer-Backed Assurance
Salary certification and an MoU with the employer ensure smooth repayment until loan closure.
For Employees
Open to confirmed staff or contract staff with less than 6 months remaining in their employment
Convenient & Transparent
Simple application, one-time processing fee of 5% payable upfront.
Flexible Tenure
Flexible repayment period of up to 2 months.
Flexible Loan Amounts
Borrow up to TZS 10,000,000 or your net salary, whichever is lower, tailored to your eligibility.
Exclusively for ICB Customers
Available only to existing account holders with salaries channeled through ICB.
Perfect for Emergencies
Manage urgent personal expenses with confidence and speed.
Currency
Available in TZS and USD
Safe & Secure Banking
Borrow with confidence from a trusted and regulated bank.
Convenience at Your Fingertips
Use ICB Digital our NetBanking and MobileBanking platform to check your account balances, pay utility bills, GePG payments or transfer funds to other banks and mobile wallets and more, anytime, anywhere.
No Hidden Costs
Transparent terms and clear charges, so you know exactly what you’re paying.
Stay in Control
Receive free e-statements and instant transaction alerts, so you’re always informed and in charge of your finances.
Eligibility
Good credit standing, verified through the Credit Reference Bureau, reflecting reliability and financial responsibility.- Tanzanian citizens only, aged between 18 to 60 years old
- SMEs engaged in trading activities and are operating a current account with the bank for the past 12 months.
- Sole Proprietorship/Partnership duly registered
- Limited liability companies duly incorporated
- At least three years experience in operating same or similar business
- Business should have stable cash flows to meet the monthly obligations of the business
- Applicants must have proper accounting system and also shows the capability of operating business profitably.
- Applicants must have a premise (owned or rented)
- The borrower must have business license/permit from local authorities in his or her own name
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Alternative Delivery Channels
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Agency Banking
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Internet Banking
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Mobile Banking
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ICB Umoja Debit Card
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ICB Mastercard Debit Card
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Experience convenient and secure banking with ICB Digital, enabling you to manage accounts, transfer funds, pay merchants and settle utility bills and government payments anytime, anywhere.
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