Soft Loan.

Easy, Fast, Flexible & Transparent Loans

Soft Loan enables you to access easy, fast, transparent and affordable salary advance and micro short term loans.

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How It Works

Soft Loan enables you to access easy, fast, transparent and affordable salary advance and micro short term loans.

24/7

Apply all day, any day, and every day! Including Sunday midnight, we are always open!

No paper work

Paper work is too slow for your fast life. Get cash now! We burnt all our paper!

Secure

Your data security, privacy and digital footprint is locked up safe in our encrypted data base vaults

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No questions asked

Apply and get your salary advance now, no questions asked. We are not on a date

Customer Care

We are all about premium customer care! Call us, we will pick the phone! We are here to serve you

No data? No problem!!!

Our cutting edge mobile bank runs on SMS to ensure you have access all the time, every time.

Create an account in seconds. Apply for salary advance. Receive cash on your mobile!


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    Our Partners - Service Men

    Our service men play a critical role in the security of our country. Goldman Smith avails to our service men salary advance; anytime, any place on their mobile phones. Additionally, they can get short term micro loans to mitigate some of their urgent financial needs. We aim to alleviate this unnecessary stress and help your personnel focus on providing world class services by conveniently covering all their short-term financial needs.

  • Our Partners - Corporates

    We partner with your firm to provide all your staff with emergency loans when they need it most , saving your much needed cashflows and keeping you focused on your main business Goldman Smith avails to all your employees salary advance; anytime, anyplace on their mobile phones. Additionally, they can get short term micro loans to mitigate some of their urgent financial needs. We aim to alleviate this unnecessary stress and help your personnel focus on providing world class services by conveniently covering all their short-term financial needs

    Corporates
  • Guards

    Our Partners - Security Guards

    Our day to day security is in the hands of our most hardworking folk! Goldman Smith avails to guards and guards companies salary advance; anytime, anyplace on their mobile phones. Additionally, they can get short term micro loans to mitigate some of their urgent financial needs. We aim to alleviate this unnecessary stress and help your personnel focus on providing world class services by conveniently covering all their short-term financial needs.

Are you an employer and want to work with us

Focus on making your employees happy, no more cashflow problems.

Have a few questions?

Of course you do. We've got answers! We've collected frequently asked questions

Who is Goldman Smith?

Goldman Smith is a finance company offering personal loans to individuals in the private and semi government sector.

We guarantee the lowest loan repayments from all providers where no guarantors, no security or employer liability is part of the loan offering, with no hidden costs or fees. The quote received is the price you pay.

How do I apply for a loan?

You can apply for a loan, as long as your employer is registered with Goldman Smith. You can apply from your phone via SMS.

You don’t need any data. No need to fill out long application forms, send emails or faxes – the entire application is done via sms from the palm of your hand.



Simply choose a loan amount, then as soon as the application is approved, the funds will be immediately available in you registered Mobile money account. It’s fast, easy and simple.

How do I know if I qualify?

A number of factors are considered, but most importantly we need you to be employed, have a mobile phone, and a registered MTN number.

How do I know what my instalment will be?

The repayment amount will be displayed when you apply and you select your loan amount.

Why has my application been declined?

There are various reasons why your loan application may be declined. If you would like to find out why, please contact us and we will be happy to assist.

How much money can I get?

We have minimum and maximum loan amounts which you may borrow, but we need to check what you can afford. We won’t give you a loan if we believe you will not be able to repay it.

How and when do I pay for the loan?

Your employer will automatically deduct the repayment amount from your salary each month, so you pay the loan every month on payday. You can also repay via mobile money transfer.

How much interest will I pay?

The interest amount will be displayed on Step 2 when you apply and you select your loan amount.

How do I increase or decrease my loan amount?

If you send loan to our SMS code, you receive a quotation for the maximum amount you qualify for. You can then decide what amount you need.

You can send loan requests as many times as you like in one single month, for example, you may apply for minimum Ugx 3000 per request, until you have reached your maximum available loan amount for the month.

If you take a loan for the month you can only decrease the amount of that loan when the loan is repaid and you make a new loan application in the new month

My employer is not registered with Goldman Smith, how can I apply for a loan?

In this case, go to our landing page www.goldmansmith.ug click on get salary advance and follow the simple three step process and we should have on-boarded within minutes.

  • « We needed to be able to give all our employees salary advance without affecting our much needed working capital or burdening out Hr with endless paperwork. Mpola addressed all these requirements. All our employees now have access to emergency laons applied via sms at zero liability and cost to our company. This service is truly revolutionary! »

    John Mwesigye Policeman

  • « Life without access to easy, quick and affordable credit is unbearable during this tough economic times . For years my bankers have denied me short-term credit siting complicated terms such as collateral etc. With Mpola, all my short-term credit needs are met! No paper work, no questions asked! I recomend this product to all employed persons. »

    Mary Chirabo Security Guard

  • « Mpola salary advance has been a breath of fresh air for my finances Their loans are very convenient and affordable. Mpola allow me to have smaller repayments, less interest charged and enabled me to save for a holiday! »

    Elizabeth kakiiza Teacher

  • « For many years, I have been subjected to high interest rates by Shylocks and pawn shops. With Mpola, I control my interest rate and have access to salary advance without much stress, whats more, all is done via sms! »

    Joseph Sekandi Managing Director, Horizon Suppliers