Frequently Asked Questions

We offer two secured emergency loans: a Business Emergency Loan for urgent business needs like restocking, supplier payments, and cash-flow gaps, and a Personal Emergency Loan for urgent personal needs such as school-related expenses, family obligations, and land or vehicle purchase.

We accept a Land Title, a Kibanja Land Agreement, a Motor Vehicle Logbook, a laptop, or a mobile phone as security. Our team assesses the security offered alongside your financial need and ability to repay.

Once you apply, our team carries out an assessment within 24 hours. If approved, funds are disbursed straight to your own bank account or mobile money — never to a third party.

A valid National ID or Refugee ID, and an eligible form of collateral from our accepted list. Our team will guide you through the rest of the assessment.

Yes — a valid Refugee ID is accepted alongside a National ID for identity verification.

Yes. Divine Credit Group Limited is a registered microfinance institution licensed and regulated by the Uganda Microfinance Regulatory Authority.

Divine Credit Group raises working capital through corporate bonds offering a targeted 10%–20% return, subject to the terms of the applicable bond offering. We invite serious prospective investors to request a physical meeting with our CEO to review the opportunity in full before making a decision.