Introducing Turning’s new personal line of credit offering continuous access to credit! Apply once and borrow against your credit limit of up to TZS 800,000 as often as you need to. Download the app & get started today!

? KEY FEATURES
✔ Only 1 ID needed
✔ Takes only 5 mins to apply
✔ Quick cash approval
✔ Double your credit limits fast
✔ No paperwork, collateral, or bank account needed

HOW IT WORKS
• Apply in Minutes
Download the app and answer a few easy questions so we can give you a customized credit offer.

• Choose your Terms
Confirm your desired cash amount and select your target repayment date.

• Continuous Access
Apply only once and get continuous access to borrow up to your approved credit limit (subject to terms and conditions).

• Repay Easily
You can pay in full anytime, on or before your due date.

WHO CAN APPLY
✔️ Any resident citizen of Kenya 18+ years old
✔️ Eligible persons holding valid ID and a mobile number

App Highlights

✔ ULTIMATE CONTROL
• No auto-debit - guaranteed! You decide when you are ready to repay
• If your plans change, the cost of your line of credit will automatically adjust

✔ NO HIDDEN FEES
• Only pay for days you need
• No other charges

SECURE
• Turning secures your personal information with SSL encryption
• Turning treats all customers with respect, even if you are late on repayment

PERSONAL CREDIT LINE TERMS
• Credit limit amounts: TZS 100,000 to TZS 800,000
• Annualized interest rate minimum 13%, maximum 29%.
• Repayment terms from 100 days to 300 days

?Examples
Credit limit: 200,000; Withdrawal amount: 100,000; Interest rate:13%; Actual usage days: 100 days.
Now you decide to repay the bill, so the repayment detail will be as follows:
Withdraw principal= 100,000;
Total interest=100,000*13%/365*100 = 3561.64
Total repayment amount=100,000+3561.64=103561.64

You are required to pay off your line of credit by the due date to avoid late payment interest equal to 8% of outstanding balances will be applied.

All amounts payable by you for any credit line will be displayed prior to you accepting the credit line and disbursement by us to your mobile money wallet.

You will have ongoing access to cash if you clear your outstanding balance and keep your Turning relationship in good standing (some exclusions apply). All lines of credit are subject to terms and conditions. Always study the terms and conditions and the disclosure statements before proceeding with any transaction.

PRODUCT ENHANCEMENTS
We always work towards making our products better for our users. If you see offerings that differ from those described above, please don’t hesitate to contact us.

PRIVACY & PERMISSIONS
All data collected is to verify your identity and build your credit profile. Turning never discloses any personal information to anyone that is not you without your permission or sells your data to third parties.

CONTACT US
Phone number: +255 0760520523
A. mail: [email protected]
Contact address: MP6F+PP2, Dodoma, Mpunguzi, Tanzania