Mali YanguGet the asset you need to earn and live better.
Mali Yangu means "my assets". Compare verified financiers for a boda boda, tricycle, solar kit, phone or business equipment, verify yourself once, and apply from your phone.
Free to browse. Mali Yangu is a marketplace: financiers set their own rates and approve each loan.
ONE PLACECompare verified financiers in one place, instead of going from office to office.
ONE VERIFICATIONMore lenders see you. Your verification works for all of them.
The tools of a better livelihood
From the boda that earns you a daily income to the solar kit that lights your home.
From "I need a boda" to an application in minutes
Choose your asset
Pick what you want to finance and the amount and repayment period that suit you.
Compare financiers
See interest, deposit, fees, how fast they decide, what they need from you and where they work, side by side.
Verify once
Your National ID number and photo, a selfie, a credit check with your consent, and a short assessment.
Apply and track
Send your application, follow each stage and message the financier, all in the app.
Prove who you are in minutes, from your phone
Instead of queueing at a branch with photocopies, you confirm your identity in the app. Financiers can trust who they are dealing with, and you do not repeat the process for each one.
- Enter your National ID number and photograph your ID
- Take a quick selfie so we can match it to your ID
- Give consent for a credit bureau check
- Answer a few short questions, then see your green, amber or red result
Know the terms before you apply
Every financier shows its rates, deposit, processing fee, guarantor rules, loan sizes and approval speed up front, so you are not surprised later.
- Side-by-side offers from financiers that serve your asset and your area
- What documents each financier asks for, in plain words
- Real approval rates once a financier has enough history
- One verification that works for every financier you apply to
One clear answer. Not a mystery score.
Your score comes from your identity checks, your credit history and a short set of questions about how you plan and manage money. The questions can be tailored to the asset you want and the financier you pick. You always see how your score was made.
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70+
Green: you passed
Your checks and answers look good. Choose a financier and send your application.
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50–69
Amber: our team takes a look
You are close. A person reviews your details and messages you with a decision. Nothing for you to do.
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<50
Red: not this time
You see why, and you can answer the questions again after a short wait.
A poor credit result can never pass automatically. Our team always looks at it first.
The asset that turns effort into income
Mali Yangu is for the rider who needs a better bike, the trader who needs a phone to take orders, and the family that wants light after dark.
Boda boda riders
Own the bike that earns your daily income.
Market traders
Equipment and phones to serve more customers.
Households going solar
Light, charging and power, paid in small amounts.
Small workshops
Machines and tools to grow your own business.
Illustrations. The people shown are not real customers.
Starting in Uganda, built for East Africa
Mali Yangu begins in Uganda. We are designing it for the wider East African Community, where people earn, save and pay in similar ways, and where lenders know their communities best.
Built for customers and lenders in East Africa
Your data stays yours
Your ID, photo and selfie are used to verify you and are shared only with the financier you choose to apply to.
Honest comparison
Mali Yangu does not lend money. Financiers set their own terms, and any sponsored offer is clearly labelled as sponsored.
Talk to the financier
Ask questions, receive offers and get status updates in one place instead of chasing phone calls.
Meet customers who are already verified and scored
Customers arrive with identity confirmed, a credit check and a green assessment. You choose what matters to you, such as repayment discipline or income stability, and the questions customers answer reflect it.
- Start free with up to 10 applications a month
- Pay monthly in US dollars by mobile money, bank transfer or card
- Connect your own systems with a developer API and webhooks
Application inbox
Every applicant with their score and result, and simple stages to move them through.
Show up in the app
Your company page and sponsored offers appear where customers choose.
Developer API
Read applications and update their status from your own systems.
Good to know
Does Mali Yangu lend me the money?
No. Mali Yangu connects you with independent financiers. Each financier decides on your application and sets its own interest rate, fees, deposit and repayment period. You see these before you apply.
What does it cost?
Browsing and comparing is free. There is a one-time assessment fee (currently UGX 5,000) when you verify yourself, shown before you pay and paid by mobile money. It is non-refundable.
What happens if my result is amber or red?
Amber means our team reviews your details and messages you with a decision. Red means you did not pass this time; you see the reasons and can answer the questions again after a short wait.
Who can see my information?
Your phone number, National ID number, ID photo and selfie are used only to verify you and process your application. They are shared only with the financier you choose to apply to.
Which phones does the app work on?
The Android app comes first. The App Store link will appear here when the iPhone app is ready. You sign up with your phone number.
Can the same National ID open two accounts?
No. One National ID number can belong to one account. If you already registered, sign in with the phone number you first used.
Ready to get your asset?
Download the app, verify once and compare financiers in minutes.