Civil servant
SSB Loans
Repaid straight off your salary through SSB.
What you need
- National ID
- Latest payslip
- 3 months' bank statements
Salary deductionApply
Finance that moves with you
MessageVeeMoola.GetMoola.
Zimbabwe's fastest way to borrow — a loan in your pocket, not a queue at a branch.
- 3 min
- To apply on WhatsApp
- 7
- Loan products
- SSB
- Salary-deduction rails
- Bureau
- Credit-checked lending
Meet VeeMoola On WhatsApp
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VeeMoola
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About us
Making sure you build your dream
Virtfin (Private) Limited is a credit-only microfinance institution licensed by the Reserve Bank of Zimbabwe, lending to individuals and small businesses across the country.
Our vision
To be the best financial services hub that enables success and enriches the lives of the general population.
Our mission
Professional, efficient and innovative financial solutions that help our customers achieve their goals, with integrity, transparency and respect.
Our values
IntegrityProfessionalismEfficiencyTransparencyRespectInnovation
Why choose VirtFin
Fast decisions
Apply in 3 minutes and get a decision the same day.
No hidden fees
Every charge is shown up front before you sign anything.
Salary deduction
Civil-servant and payroll loans repay straight off your salary.
Friendly team
A real person is one word away — type AGENT any time.
Other services at our office
Bureau de change
Buy and sell foreign currency.
CBZ agency banking
Deposits and withdrawals.
EcoCash and InnBucks
Cash in and cash out.
WorldRemit
Receive money from abroad.
Our partners and service providers
CBZNBSEcoCashInnBucksWorldRemitTotalExJarvis ResourcesMak BokanoTalmachHuku & Chips
Products
A loan shaped to how you earn
Choose who you are to see what fits. Repay over 1 to 12 months.
7 products shown
Employee
Payroll Loans (Deductible)
For staff whose employer repays by payroll deduction.
What you need
- National ID and payslip
- Confirmation of employment
- Deduction letter from HR
Salary deductionApply
Employee
Payroll Loans (Non-Deductible)
For employees who repay directly from their salary account.
What you need
- National ID and payslip
- 3 months' bank statements
- Confirmation of employment
Direct repaymentApply
Individual
Individual Loans
Personal finance on your own terms.
What you need
- ID and proof of residence
- Proof of income
- Security and a guarantor
SecuredApply
Business
Business Loans
Working capital or equipment to grow your business.
What you need
- ID and proof of residence
- Business records or bank statements
- Security and a guarantor
SecuredApply
Civil servant / Employee / Individual
Product and Asset Loans
Solar, furniture, appliances, building materials or a vehicle. We pay the supplier.
What you need
- ID and proof of income
- Quotation from a reputable supplier
Paid to supplierApply
Civil servant / Employee / Student
Education Loans
Pay school and tuition fees without the upfront strain.
What you need
- ID and payslip (parent or guardian)
- Fees invoice from the school
Paid to schoolApply
How it works
Three taps from “I need money” to money.
01
Message
Open WhatsApp and say hi to VeeMoola. No app to download, no branch queue, no forms. Pick a loan, tell us how much — buttons do the typing.
~60 seconds02
Approved
We credit-check you through the bureau and match you to the right product — SSB, payroll, business or education. You see your terms and tap approve.
Instant decision03
Paid
Funds land in your account or mobile wallet. Repayments run off your salary or schedule automatically. The whole trip takes about three minutes.
Money in handPlan your repayment
Know your numbers.
Then make your move.
Explore your loan before you apply. See what lands in your account and what you’ll pay back.
Build your loan
All amounts in USD$50$10,000
Choose $50–$10,000, in steps of $50.
3 months
1 month12 months
First payment is due one month after disbursement. Estimate is interest on a reducing balance only; facility charges are paid separately.
Your estimate8% / month
Monthly repayment
$194.02/ mo
Final payment: $194.01.
Loan amount$500.00
- Total interest
- $82.05
- Total repayable
- $582.05
This is an estimate. Final terms are confirmed after your application and credit assessment.
Estimated monthly repayment $194.02. Total repayable $582.05.View repayment schedule 3 months
| Month | Principal | Interest | Payment | Balance |
|---|---|---|---|---|
| 1 | $154.02 | $40.00 | $194.02 | $345.98 |
| 2 | $166.34 | $27.68 | $194.02 | $179.64 |
| 3 | $179.64 | $14.37 | $194.01 | $0.00 |
Meet VeeMoola
Your loan officer. On WhatsApp. 24/7.
No app to download, no branch to visit. VeeMoola walks you through the whole thing in a chat you already know — warm, fast, and always in your pocket.
Apply in 3 minutes
One question at a time, buttons do the typing. Finish a full application in the time it takes to make tea.
Pick up where you left off
Step away mid-application? Progress is saved for 7 days — VeeMoola resumes exactly where you stopped.
Knows you next time
Returning clients are welcomed by name and skip straight to what they need — a top-up, balance or new loan.
Check your loan anytime
Tap “My loan” to see your balance, next payment and status — no call centre, no queue.
Always in control
Type MENU, HELP, AGENT or STOP at any point. A real person is one word away.
Agent partner mode
Registered agents get their own menu — add clients, track them, and watch commission build.
Type anytime:MENUHELPAGENTSTOP
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Agents
Become a VirtFin agent
Shop owners, traders and individuals countrywide earn commission on every loan paid out to clients they introduce. Your whole agency runs inside WhatsApp.
Who can join
Businesses and individuals with a fixed place of operation, anywhere in Zimbabwe.
What you need
Business: registration, tax clearance, IDs and police clearance. Individual: ID, proof of residence, police clearance and two references.
The rules
Agents introduce clients only. They never collect money or charge any fee. Virtfin approves and pays every loan.
Ready to join?
Apply now and our team will contact you. Commission details on registration.
Verify an agent
Check an agent is genuine before you share any documents.
Contact us
Ready for your Moola?
Our team will call you back. Or apply instantly with VeeMoola on WhatsApp.
Apply on WhatsApp