Estimate your loan
Live quote×
Indicative figures, your final quote is confirmed on approval. Full calculator
We provide accessible credit to fuel your business growth and personal aspirations.
Pick the loan that fits
Salary-Based Loans
Instant loans for civil servants and pensioners against your salary, flexible terms and rates.
- Instant loans
- Flexible repayment
- Minimum documentation
- Flexible interest rates
Collateral Loans
Larger loans for individuals and businesses, secured against an asset you own.
- For individuals & businesses
- Vehicles, property, equipment
- Higher loan amounts
- Online repayments
Credit E-Commerce
Get the phone, generator, solar kit or appliance you need today, pay monthly.
- Phones & electronics
- Generators & solar
- Home appliances
- Checkout like a salary loan
Hire Purchase
Buy a vehicle or equipment with a deposit. You pay part, we finance the rest.
- Vehicles & equipment
- Deposit from 30%
- The bigger the deposit, the smaller the instalment
- Yours outright once it is paid off
How hire purchase works
Tell us what you want to buy and what it costs, and choose how much of that price your deposit covers. We finance the balance and you repay it in monthly instalments.
- 01Choose the asset and tell us its price
- 02Pay a deposit of 30%, 40%, 50% or 70%
- 03We finance the balance and you repay monthly
- 04It transfers into your name on the final instalment
| Deposit covers | You pay | We finance | Monthly |
|---|---|---|---|
| 30% | $3,000 | $7,000 | $1,355 |
| 40% | $4,000 | $6,000 | $1,162.08 |
| 50% | $5,000 | $5,000 | $966.58 |
| 70% | $7,000 | $3,000 | $580.67 |
Probfix is registered as the owner of the asset until your final instalment is paid, then it is transferred into your name. Figures are indicative and include our administration and application fees; assets up to $100,000 are considered.
Simple requirements
We keep it light. Have these ready and you can finish your application in minutes, upload straight from your phone.
Microfinance FAQ
How much can I borrow?
Salary loans range from $100 to $10,000 depending on your income. Collateral loans can go higher, based on the value of your security.
What are the interest rates?
Rates are flexible and confirmed on approval, based on your loan type, amount and term. Use our calculator for an indicative estimate before you apply.
How do I repay?
Salary loans are typically deducted at source. Collateral loans and credit purchases can be repaid via Paynow, Visa, Mastercard or EcoCash from your dashboard.
Meet the team
The people behind Probfix, slide through and tap a profile to read more.
Mr. Ringisai Runyowa
Chief Executive Officer
Ringisai Runyowa is an Entrepreneur, Visionary Leader and Financial Strategist. He manages a diversified investment group with a portfolio spanning microfinance, payment service provision, remittances, real estate, property development, insurance and wealth management. His Financial Experience is in Bank Treasury Management, Investments Management, Financial Risk Management, Microfinance and Real Estate Management & Development. He is passionate about making an impact in society through entrepreneurship. In his business journey, he has received business awards: namely The 40U40 Most Influential Young Business Leader in Zimbabwe [ICDZ] - 2024, The Most Youth Friendly Microfinance of the Year Runner Up [ZAMFI] in 2024, Top 40U40 young CEO [CEOArt] and The National Business Titan Platinum Winner [Zim CEO Network] in 2026. He holds a Bachelor of Commerce Honours Degree in Fiscal Studies and a Master of Business Administration (MBA), both from NUST, Zimbabwe, an MSc in Finance and Investments from UZ, a Bankers Diploma from IOBZ and a Real Estate Diploma from EACZ.
Mr. Tinashe Sitole
Chief Finance Officer
Tinashe Sitole is an experienced finance professional with over a decade of expertise in financial services, accounting, and corporate finance. He holds a Master of Business Administration (MBA) from the University of Zimbabwe and a Bachelor of Commerce (Honours) Degree in Accountancy from Chinhoyi University of Technology. He is a member of the Chartered Governance and Accountancy Institute and holds a Certificate of Proficiency in Short-Term Insurance. He has extensive experience in financial reporting and corporate governance, having led key initiatives including accounting system transformation and strengthening of internal controls.
Mr. Donald Mutakaya
Chief Operating Officer
Operations Executive with experience in Microfinance, Retail Banking and Bank Operations
Mr. Vunganai Chivore
Non-Executive Director
Vunganai Chivore is a Zimbabwean legal practitioner, business leader, and governance professional with 16+ years of experience in law and leadership. He is the Founder & Senior Partner at Chivore and Partners Legal Practitioners / Chivore Dzingirai Group of Lawyers, where he manages a full-service firm focused on civil and criminal litigation, legal advice, training, and drafting. His areas of expertise include Corporate Law, International Investment & Trade, Human Rights, Constitutional, Mining, Intellectual Property, and Labour Law. He is also Listed Counsel on the African Court on Human & People’s Rights. Academically, he holds an LLBs (Hons) from the University of Zimbabwe and an MBA from NUST, and is currently pursuing a Ph.D in Peace, Leadership & Governance at Africa University and a Doctorate in Business Leadership at UNISA. Beyond legal practice, Vunganai has a strong track record in governance and organizational leadership. He currently serves on four boards, including as Chairman of Probfix Holdings (Pvt) Ltd, a microfinance company trading as Probfix Microfinance, and as Deputy Chair of Young People’s Dialogue, a national youth think tank. He is also a member of the Institute of Directors Zimbabwe and the Law Society of Zimbabwe. Known for his ability to both lead and collaborate, he combines legal expertise with business administration to contribute to justice, corporate governance, youth development, and economic growth in Zimbabwe and the region.
Mrs. Farai Chishiri
Non-Executive Director
Farai Chishiri is an accomplished financial services executive with over 20 years of experience across insurance, banking, investment management, and corporate finance. She brings expertise in strategy execution, governance, operational excellence, and business transformation. Currently serving as Service Assurance Executive at Zimnat Life Assurance, Farai provides strategic leadership in service delivery and operational performance. Her strong governance credentials, deep industry experience, and proven track record in driving organisational improvement enable her to provide effective board-level oversight while contributing to sustainable business growth and value creation. Beyond her professional career, Farai is passionate about women and youth empowerment, inclusive economic development, and transformational leadership. She is an author committed to inspiring individuals, strengthening institutions, and creating sustainable impact across communities and industries.
Mr. Prosper Gozho
Non-Executive Director
Prosper Gozho has over fourteen years of banking experience in Credit, Corporate, SME banking, and Vehicle & Asset Financing. He has extensive hands-on experience in the marketing of banking products, loan origination, loan portfolio management, credit risk management, collections, recoveries and relationship management. He is also involved in the renewable energy sector, focusing on solar energy. Prosper holds a Bachelor of Business Studies Honours (University of Zimbabwe), an MSc in Finance and Investments (NUST, Zimbabwe), a certificate in Bank Credit Management from Damelin (SA), and he completed the Foundation Leadership Development Program with the Gordon Institute of Business Studies (SA).
Ms. Natasha Lerato Sebata
Non-Executive Director
Natasha Lerato Sebata is an Independent Non-Executive Director of Probfix Microfinance and a governance-focused executive with over 15 years experience across regulated healthcare, diagnostics and financial services environments. She serves on the Board’s Finance, Credit & Audit Committee and Human Resources Committee, contributing to strategic oversight, financial stewardship, enterprise risk management and sound corporate governance. In her executive capacity, Natasha leads a strategic business unit at The Avenues Clinic, where she has successfully established and scaled a high-performing pathology business while strengthening governance, financial performance and operational excellence. She brings experience in board reporting, capital investment oversight, enterprise risk management and organisational transformation. A holder of a Master of Business Administration (MBA) and a Master's degree in Medical Microbiology, Natasha is a member in good standing of the Institute of Directors Zimbabwe (IoDZ) and a graduate of its Future Directors Development Programme. She is recognised nationally for her contributions to corporate governance and leadership, including being named among the Most Influential 40 Under 40 Leaders (2026) by the Institute of Corporate Directors Zimbabwe. Known for her integrity, independent judgement and collaborative leadership style, Natasha brings a balanced boardroom perspective that supports sustainable growth, prudent governance and long-term stakeholder value.
Mr. Munyaradzi Samhembere
Non-Executive Director
Munyaradzi Mathew Samhembere is an Accountant, Business Consultant and Entrepreneur with over 7 years’ experience in accounting, taxation and business advisory. Samhembere is the Managing Director and Founder of Tielemans (Private) Limited, a business consultancy firm. Under his leadership, Tielemans (Private) Limited provides financial management, tax compliance and strategic advisory services to businesses operating in Zimbabwe and across the region. Samhembere Munyaradzi Mathew holds a Bachelor of Commerce Honors Degree in Fiscal Studies from the National University of Science and Technology (NUST), 2015. Munyaradzi is also an Association of Chartered Certified Accountants (ACCA) qualified accountant. To strengthen my expertise in trade, I completed a Diploma in Customs Legislation & Procedures with the Shipping & Forwarding Agents' Association of Zimbabwe (SFAAZ) and holds a Certificate of Proficiency from the Insurance Institute of Zimbabwe.
Mrs. Ratidzo Aletha Runyowa
Non-Executive Director
Mrs. Runyowa is an HR practitioner with experience in manufacturing, retail, financial services and property markets. She holds a Bachelor of Commerce (Honours) degree in Human Resources Management from the National University of Science and Technology (NUST). She also holds a diploma in Human Resource Development and a certificate in Labour Law from the Institute of People Management of Zimbabwe (IPMZ), and a Real Estate Diploma from EACZ.
Mrs. Sharon R. Vambe-Rugonye
Non-Executive Director
Sharon R. Vambe-Rugonye (MBA, Bcom Marketing) is a proficient and dynamic professional with a demonstrable record of achievements, possessing over 18 years of sales and marketing experience in the telecoms services sector, 3 years in the financial services sector and 6 years in the agriculture sector in Zimbabwe. She strives to evolve as a high-impact sales and marketing individual, offering a diverse track record in building brands, brand recognition and sales momentum for corporate communication, business solutions and e-business solutions. She develops transformational and strategic solutions by leveraging market research, industry analysis and customer insights that anticipate and counter competitor actions, build customer loyalty and brand positioning for market-share leadership and dominance. She is also a proud mum of four beautiful children.
Mrs. Valeria Sekeni-Nemerai
Non-Executive Director
Valeria Sekeni is an accomplished business executive and marketing strategist with over a decade of experience in developing growth strategies, building high-performing brands and leading business transformation. Recognised for her strategic mindset and results-driven leadership, she has successfully delivered integrated marketing, innovation and commercial initiatives that strengthen market competitiveness and create long-term value. Her expertise encompasses strategic planning, consumer insights, digital transformation, brand development and corporate leadership. As a Director of Probfix, she provides strategic guidance that supports the company's growth, innovation and commitment to delivering practical business solutions. Valeria holds an MBA in Entrepreneurship, a Bachelor of Business Studies (Honours) in Marketing, and professional qualifications in Digital Marketing.
Mr. Simbarashe Mandenga
General Manager - Money Lending [ZM]
Simbarashe holds an Honours Bachelor’s Degree and a Master of Science Degree in Finance from the National University of Science and Technology, Zimbabwe. He is also a Certified Expert in Microfinance, having trained with Frankfurt University in Germany. With 11 years of hands-on experience in the Microfinance sector across the SADC region, Simbarashe has worked extensively in both Zimbabwe and Zambia. His expertise covers financial strategy, microfinance operations, policy development, and sustainable lending models that drive financial inclusion. A results-driven finance professional, he combines strong academic training with practical regional experience to deliver impact in underserved.
Mrs. Wadzanai Rambwi-Mufunde
Group Financial Operations Officer
Wadzanai Rambwi is an accomplished banking professional with over nine years of progressive experience in the financial services industry. Her expertise spans corporate banking, retail banking, and treasury management, where she has consistently delivered value to clients and institutions alike. She holds a Bachelor’s Degree in Finance and Banking from the University of Zimbabwe (UZ), complemented by a Diploma from the Institute of Bankers Association of Zimbabwe (IOBZ). With her strong academic foundation and practical experience, she brings a wealth of knowledge, strategic insight, and professionalism to every engagement.
Mr. Tatenda Rudziva - CA (Z)
Group Internal Auditor
Tatenda is a qualified Chartered Accountant with a diverse professional background spanning external and internal audit, risk management, and corporate governance. Having honed his expertise across multiple sectors including Financial Services, Manufacturing, Construction, and Fast-Moving Consumer Goods (FMCG), he brings a comprehensive understanding of operational efficiency and financial integrity to the Probfix Holdings group. By leveraging data-driven insights and strong compliance frameworks, he aims to transform risk management into a strategic tool for value creation. He is dedicated to building robust financial systems that empower businesses to navigate evolving market landscapes with confidence.
Ms. Tanyaradzwa Nyamwanza
Group Human Resources Officer
Tanyaradzwa Nyamwanza is a Human Resources professional with nearly a decade of experience in human capital strategy, organisational development, and workforce transformation across multiple sectors, including financial services, consulting, telecommunications, energy, retail, and non-governmental organisations. At Probfix Holdings, she brings a strong flair for translating human capital priorities into practical, business-aligned people solutions that strengthen organisational capability and support sustainable performance. Her experience spans talent management, employee relations, performance and reward systems, labour compliance, organisational design, and HR policy development. She has consistently partnered with senior leadership teams to enhance workforce effectiveness and embed people-centred strategies that enable long-term business success. She holds a Master of Business Administration in Strategic Leadership from the University of Zimbabwe, a Bachelor of Science Honours Degree in Human Resources Management from Midlands State University, and a Diploma in Labour Relations from the Institute of People Management
Miss. Shamiso Lorraine Matonsi
Group Marketing & Commercial Officer
Shamiso is well versed and degreed in digital marketing and helps develop detail, design, and implement marketing plans and strategies for each product offered through media and face to face dialogue. She has experience in the Branding Industry, Construction, FMCG, Financial and Media Industry, Shamiso is a visionary and strategic marketer skilled in developing innovative policies, visual strategies identifying trends, brainstorming new and creative growth strategies. Highly energetic, forward thinking and a creative individual who possesses an entrepreneurial spirit coupled with strong business acumen. She collaborates with internal teams to create landing pages and optimize user experience with her skills for Probfix Holdings. She holds a BSc from Chinhoyi University of Technology.
Mr. Matthew Chikanda
Group Accountant
Matthew M. Chikanda is an accomplished professional in financial and management accounting with over 19 years of experience across treasury, tax, financial reporting, and operations in the automotive, FMCG, logistics, and retail hardware industries. He possesses extensive knowledge of Management Accounting principles and IAS/IFRS. He has a demonstrated history of leading cross-functional teams, enhancing cash flow and working capital, improving tax compliance, and boosting operational performance. Skilled in budgeting, product costing and margin analysis, statutory compliance, and managing bank relationships. Acknowledged for developing scalable processes and policies, and producing data-driven outcomes that align with strategic goals. He holds an M. Com in Strategic Management & Corporate Governance from Midlands State University, a B. Com (Hons) in Accounting, Special Honours in Monitoring & Evaluation, and a CIMA Diploma in Management Accounting.