---
title: "Laina Finance: Buy Now, Pay Later and Loans"
description: "Get BNPL checkout loans, device financing and instant cash in Tanzania via app or USSD *150*47#. Repay up to 6 months; 0.05%/day late penalty."
canonical_url: "https://liners.com/laina-finance"
markdown_url: "https://liners.com/laina-finance.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/laina-finance/screenshot.webp?v=1778498409769"
published_at: "2026-05-11T11:25:51.153Z"
updated_at: "2026-10-05T05:11:14.040Z"
---

# Laina Finance: Buy Now, Pay Later and Loans

Get BNPL checkout loans, device financing and instant cash in Tanzania via app or USSD \*150\*47#. Repay up to 6 months; 0.05%/day late penalty.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Laina Finance](/laina-finance)

## Summary

Buy now and pay later with flexible financing options

A digital finance platform for Tanzanian consumers and merchants offering checkout loans, device financing, insurance premium financing, and instant cash loans via app and USSD.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.lainafinance.co.tz/ |
| Tagline | Buy now and pay later with flexible financing options |
| Primary country | Tanzania |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Laina Finance is a digital financing platform for consumers and merchants in Tanzania that provides flexible payment plans for purchases, insurance premiums, and short-term cash needs.

Key capabilities include:

- **Buy now, pay later at checkout**: access **instant checkout loans** for purchases at participating merchants, with an online or USSD application and an instant decision.
- **Device financing**: finance **electronics and devices** on a flexible repayment plan to spread the cost over time.
- **Insurance premium financing**: pay insurance premiums in **manageable installments** instead of a single upfront payment.
- **Conventional loans and Sharia-compliant financing**: choose between **conventional loans** (repayable up to **6 months**, with late repayment fees) and **Islamic financing** options built around **risk sharing** and **no Riba** (late repayment fees go to charity).

Available via **USSD (*150*47#)** and the web (including a reseller portal). The customer app includes a **virtual credit card** for making credit payments at merchants; the business app supports selling to customers on credit while the platform manages risk.

It targets **government and private sector (SME) employees, Vodacom subscribers, and business owners**, plus **resellers, merchants, and partner businesses**.

Notable in Tanzania’s fintech market for its scale and distribution, including **19.5k+ customers**, **450+ resellers** (including Vodacom shops), **30+ partners**, and an expansion presence in **Rwanda**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Rwanda](/countries/rwanda): Market
- [Tanzania](/countries/tanzania): Market

## Related pages

- [Alternatives](/laina-finance/alternatives)
- [Reviews](/laina-finance/reviews)
- [Transparency](/laina-finance/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/laina-finance)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)