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Loans

Experience the difference with Pearl Bank Loans, designed to help you grow, seize opportunities, and build lasting prosperity, together.

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Personal Loans

Salary Loans

We empower you to handle life’s needs, from personal goals to unexpected expenses, with ease and confidence.


Education Loan

Because every dream deserves a chance to learn. We help you meet school fees and tuition needs with ease.


Home & Land Loan

Our Home and Land Loans are designed to help you own the place you’ve always wanted.



Business Loans

Agricultural Loan

We’re here to help you grow from the ground up, financing your journey across the entire agricultural value chain, from production to processing and beyond.

WASH Loan

We make access to clean water, sanitation, and hygiene easier, helping you invest in healthier homes and communities.

Kyapa Loan

We help you turn land ownership dreams into reality, transforming your Kibanja or customary holding into titled land with confidence.

SME Loan

We fuel your big business ambitions, giving you the financial support you need to expand, grow, and take on new opportunities.

Micro Business Loan

We are here for the small business hustlers, giving you the boost you need to grow, restock, or keep your business moving.

Asset Finance Loan

We help you acquire the assets your business needs to thrive, from equipment to property, while keeping your cash flow steady and productive.

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APPLICATIONS SUPPORT OFFICER (RE ADVERTISED)

Deadline: 22nd August 2025

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© 2025 Pearl Bank Uganda. All Rights Reserved. Pearl Bank Uganda Limited is regulated by Bank of Uganda. Customer deposits are protected by the Deposit Protection Fund of Uganda up to 10 Million Shillings, Terms and conditions apply.

Overview

Grow your farm. Grow your future. A tailored loan for farmers, agribusinesses, and cooperatives to support production, processing, storage, and marketing activities.

  • Affordable interest rates and flexible repayment tied to seasons.
  • Accessible through cooperatives and farmer groups.
  • Funds can be used for seeds, inputs, machinery, or expansion.
  • Access to agribusiness advisory and training.
  • Loan range: UGX 500,000 – UGX 500 million.
  • Flexible repayment periods up to 24 months.
  • Can be secured by land titles, produce, or guarantees.
  • Grace period aligned to crop cycles.
  • Proof of farming activity or agribusiness registration.
  • Valid ID.
  • Business plan or cash flow projection.
  • Security (for larger loans).
  • For farmers, SACCOs, and agri-entrepreneurs ready to scale production and increase income.

Turn your farm into a thriving business. Visit Pearl Bank and apply for an Agribusiness Loan today.

Overview

Designed to finance individual and non-individual entities for the purposes of having access to Water, Sanitation and Hygiene enhancement.

  • Client shall be in possession of an account at PBU.
  • Engaged in income generating activity.
  • Demonstrated capacity to service loan from.
  • Own property where WASH project is being undertaken.
  • A quotation from the supplier or service provider of the WASH facility.
  • Collateral for the loan
  • PBU account holder, if not account holder provide a statement from another bank.
  • Employer should be part of the empaneled list.
  • Completed loan application form.
  • Financial card
  • To be a regular income earner evidenced on bank statement.
  • Letter of undertaking from employer.
  • Confirmation letter
  • Contract
  • At least 3 salary remittances made through the account.
  • A copy of the appointment letter
  • Work ID

Overview

Designed to enable bonafide Kibanja or customary holding land occupants transform it to freehold, leasehold, or private mailo land.

  • The borrower shall hold an account at PBU.
  • Must be engaged in a verifiable income generating activity.
  • Proven ability to service Kyapa loan.
  • Provide proof of ownership of the unregistered land in the case of trading Centre, and or proof of willingness to sell in the case of registered landowners.
  • The land to be surveyed shall be the main security
  • Service provider letter of engagement.
  • PBU account holder, if not account holder provide a statement from another bank.
  • Employer should be part of the empaneled list.
  • Completed loan application form.
  • Financial card
  • To be a regular income earner evidenced on bank statement.
  • Letter of undertaking from employer.
  • Confirmation letter
  • Contract
  • At least 3 salary remittances made through the account.
  • A copy of the appointment letter
  • Work ID

Overview

Fuel your business growth. A business loan tailored for Small and Medium Enterprises (SMEs) to help them expand, stock up, or acquire working capital.

  • Access up to UGX 500 million in financing.
  • Flexible repayment periods up to 36 months.
  • Competitive interest rates.
  • Business advisory support included.
  • Option to top up or restructure.
  • Secured and unsecured options are available.
  • Repayment via bank account or standing order.
  • Available in both local and foreign currencies.
  • Free business account with loan access.
  • Business registration documents.
  • Six (6) months of account statements.
  • Valid IDs for business owners/directors.
  • Security (for larger facilities).
  • Designed for business owners and entrepreneurs looking to grow operations, restock, or expand capacity.

Boost your business with flexible financing. Apply for a Pearl Bank SME Loan today.

Overview

The purpose of the loan is to finance legal small business undertakings for amounts not exceeding 50 million to both individual and non-individual entities.

  • Flexible repayment terms.
  • Top up loans available.
  • Competitive interest rates
  • Accessible from any of our countrywide branch networks.
  • Fast Turn Around Time
  • Flexible collateral requirements
  • Minimum-Ugx 100,000
  • Maximum-Ugx 50,000,000
  • Loan tenure of up to 24 months
  • Exceptional cases can go up to 36 months.
  • Application Fees of up to 50,000/-
  • Processing Fees-Up to 2%
  • Interest rates as per prevailing pricing grid.
  • All requirements(i-ix) in 1 above.
  • New customers must provide bank statements from their previous bankers.
  • Business should have been in operation for not less than 2 years.

Overview

Own the tools that power your success. A loan that helps you acquire vehicles, machinery, or equipment for business or personal use without tying up all your cash.

  • Finance up to 80% of asset value.
  • Repayment terms up to 36 months.
  • Competitive interest rates.
  • Quick approval and insurance arrangement support.
  • Option to upgrade or refinance assets.
  • Secured by the financed asset.
  • Down payment required.
  • Comprehensive insurance cover on financed items.
  • Monthly repayment schedule.
  • Proforma invoice or quotation from a recognized dealer.
  • Valid ID.
  • Bank statements for six (6) months.
  • Security documents (for business entities).
  • For individuals, SMEs, and farmers seeking to acquire vehicles, machinery, or tools for growth.

Get the equipment you need today. Apply for a Pearl Bank Asset Finance Loan and grow your capacity.