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Your Needs, Our Support.
Take control of your finances with the ICB Personal Loan—a flexible and reliable solution designed for individuals and private sector employees. Whether you’re planning a major purchase, covering unexpected expenses, or consolidating existing debts, our personal loan gives you the support you need with a repayment period of up to 3 years—extendable to 5 years in special cases. Enjoy the convenience of top-up loans, and even transfer your loan from another bank for better terms and seamless service.
Features & Benefits
Safe & Secure Banking
Borrow with confidence from a trusted and regulated bank.
Stay in Control
Receive free e-statements and instant transaction alerts and reminders, so you’re always informed and in charge of your finances.
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.
Loan Transfer Option
Move your loan from another bank and enjoy better terms with ICB.
Top-Up Facility
Get extra cash anytime by increasing your existing loan with ease.
Salary Deduction Convenience
Instalments automatically deducted from your monthly salary credited to your ICB account.
Fast & Easy Processing
Quick approvals with minimal documentation required.
Attractive Interest Rates
Competitive pricing to keep borrowing affordable.
Flexible Tenure
Repayment period of up to 36 months, extendable to 60 months in special cases.
Affordable Repayments
Enjoy easy monthly instalments tailored to your salary.
Flexible Loan Amounts
Borrow what you need to meet your personal goals.
Currency
Available in TZS and in USD
Multi-Purpose Loan
Ideal for education, home needs, emergencies, or debt consolidation.
Eligibility
Permanent or contract employees of government institutions or private companies.- Applicants must be between 25 and 52 years.
- Must maintain a salary account with ICB.
- Permanent employees should have at least 2 years of continuous service; contract employees must have their loan mature at least 3 months before contract expiry.
- Basic KYC documents required (valid NIDA, residence proof, employment ID, recent salary slips, and employer confirmation and undertaking).
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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
Download ICB Digital App
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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