Financial services, Conveniently!
DigiLoans brings fast, fair and fully digital credit to Basotho. Apply in minutes, get a decision in seconds, and receive your money straight to your mobile wallet — all through the Adima app.
Lumela, Thabo 👋
Available to borrow
M 5,000.00
Your loan
Repay early
Save on interest — pay any amount, anytime.
Seconds
to a credit decision
100%
digital — no paperwork
24/7
apply anytime, anywhere
CBL
licensed & regulated
Conveniently!
Born in Maseru, built for Basotho. We believe access to fair credit is a right — not a privilege reserved for the few.
A modern micro-lender, licensed and trusted
DigiLoans is a Central Bank of Lesotho licensed financial services provider on a mission to widen financial inclusion across the Kingdom. We replace queues, paperwork and waiting with a credit experience that lives entirely on your phone.
Regulated & responsible
We lend within CBL guidelines and an affordability-first model — credit you can actually manage.
Built for inclusion
Designed for everyday Basotho, including those underserved by traditional banks.
Powered by Adima
Our award-worthy mobile app turns a loan application into a few taps.
Credit that fits your life
Transparent terms, no hidden fees, and amounts that grow with your track record.
Quick Cash
Small, short-term loans for life's unexpected moments — disbursed in minutes.
- From M 200 – M 5,000
- Terms up to 1 month
- Instant mobile payout
Salary Advance
Bridge the gap to payday with an affordable advance against your income.
- Linked to your salary
- Flexible repayment dates
- Lower rates for repeat clients
Grow Loan
A larger facility to invest in your goals — a business, education or home.
- Higher limits
- Longer terms
- Build your DigiScore as you repay
Representative example & full terms available in-app. Lending subject to affordability assessment and CBL regulations.
Lumela, Thabo 👋
Available to borrow
M 5,000.00
Your loan
Repay early
Save on interest — pay any amount, anytime.
The loan that lives in your pocket
Adima is the mobile app built by Softserve Digital Solutions that puts DigiLoans in the hands of every Mosotho — driving financial inclusion across the Kingdom, one phone at a time.
Apply in minutes
A full loan application in a handful of taps — no branch, no forms.
Instant decisions
Smart, fair scoring gives you an answer in seconds, not days.
Straight to your wallet
Funds land directly in your mobile money or bank account.
Bank-grade security
Your data is encrypted and protected at every step.
Build your DigiScore
Repay on time and unlock bigger limits and better rates.
Stay in control
Reminders, balances and early-repayment — all in your pocket.
Coming soon to the Google Play Store and Apple App Store.
From application to cash in four steps
Download Adima
Get the app from your store and create an account in minutes.
Apply in seconds
Choose your amount and term — we'll show you the cost upfront.
Get a decision
Our fair scoring gives you an instant answer.
Receive your cash
Approved funds go straight to your mobile wallet.
Driving financial inclusion for Basotho
Millions across Lesotho remain underserved by traditional banking. Through Adima, DigiLoans reaches people wherever they are — bringing dignified, regulated credit to those who need it most and helping them build a financial track record for the future.
“We're not just lending money — we're opening the door to the formal economy for every Mosotho.”
Reach
Available to anyone with a smartphone, anywhere in Lesotho.
Fairness
Transparent pricing and affordability-first lending.
Speed
Credit when it matters — in seconds, not weeks.
Growth
Repay and unlock a stronger DigiScore over time.
Is DigiLoans regulated?
Yes. DigiLoans is licensed and regulated by the Central Bank of Lesotho, and we lend responsibly within its guidelines.
Who can apply?
Any Mosotho with a valid ID, a mobile number and a smartphone can apply through the Adima app. Approval is subject to an affordability assessment.
How fast will I get my money?
Most approved loans are disbursed within minutes, straight to your mobile money wallet.
What does it cost?
We show you the full cost — interest and any fees — before you confirm. No hidden charges, ever. [FILL: representative APR/fees]
How do I repay?
Repay easily from within Adima via mobile money. You can also pay early to save on interest.
Ready when you are
Download Adima today, or reach out to our Maseru team — we're here to help you access credit, conveniently.