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Where are we located?

We have a central head office and advanced digital systems to serve you wherever you are.

Head Office (Moshi)

Kiusa Street, KNCU-PARAMOUNT Building, Moshi Municipality.

MONDAY - FRIDAY: 08:30 AM - 04:30 PM

SATURDAY: 08:30 AM - 01:00 PM

0800 75 0454 (Toll Free / Bure)

0723 161 162 (WhatsApp & SMS)

Digital Services

Even outside our physical office, you can access our services via:

Official Website (Online Access)
Online Application
Official Email Correspondence

Join MRT SACCOS

Secure your financial future. Apply online today!

Loan Application Form

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Step 1: Membership Category & Income

Member Verification Mandatory Step

Check Number or Member Code *

Phone Number For Member Code

Data Security: Check Number is verified instantly. Member Code requires your registered phone number to protect your account.

Member Category *

Basic Salary *

Take Home Pay *

Latest Month Salary Slip (PDF, JPG, PNG) *

CRITICAL READABILITY REQUIREMENT: Ensure your salary slip is clear and fully legible (Salary, Date, and Deductions must be clearly visible). Blurry, shadowed, dark, or illegible uploads will be REJECTED IMMEDIATELY and your application will not be processed!

Upload the official salary slip of the last month paid before applying.

Step 2: Loan Details & Amounts

Loan Type *

Emergency Loan (13% p.a) 13% p.a

#	Requested Loan Amount (TZS)	% p.a	Repayment Duration (Months)
1	1 – 500,000/=	13%	1 – 6
2	500,001/= – 1,000,000/=	13%	1 – 12
3	1,000,001 – 2,000,000/=	13%	1 – 18
4	2,000,001 – 4,000,000/=	13%	1 – 24

Loan Mate (12% p.a) 12% p.a

#	Requested Loan Amount (TZS)	Repayment Duration (Months)	%
1	1 – 2,000,000/=	1 – 12	12% p.a

SECTION D: Loan Repayment Channel *

Requested Loan Amount (TZS) *

Repayment Duration (Months) *

1/3 SALARY RULE ESTIMATION & CRITERIA

Monthly Installment: TZS 0.00

Remaining Take Home: TZS 0.00

1/3 Basic Salary (Required): TZS 0.00

Step 3: Employment, Banking, Guarantors & Official Declaration

Member: - -

SECTION A: MEMBER EMPLOYMENT DETAILS

Member Passport Size Photo * Pending Verification

PASSPORT PHOTO

A passport-sized photo is mandatory for all loans. The photo provided here will also be synchronized with your member profile.

Choose passport photo (JPG, PNG)...

Format: JPG or PNG, maximum size 5MB. Clear face portrait.

Member Full Name *

Automatically verified from membership register

Gender *

Date of Birth *

Check Number

TSD Number Optional

Phone Number *

Retirement Date Automatic (Age 60)

District

Department

Work Station *

Email Address *

NIDA Number Optional

SECTION B: MEMBER BANK DETAILS

Bank Name *

Bank Branch *

Bank Account Number *

Account Name *

4. GUARANTORS DETAILS MUST BE MRT SACCOS MEMBERS

NOTE: The borrower must repay the loan on time in accordance with this contract. In the event of default, the borrower's and guarantors' savings will be attached and further legal recovery procedures initiated.

Guaranteed Savings Guide:

• 1/3: TZS 0.00 • 3/8: TZS 0.00

GUARANTOR 1 (MUST BE A MEMBER) Required *

Member Code or Check Number *

Guarantor Full Name *

Work Station *

Relationship *

Mobile Phone *

Check Number (Optional for Retirees/Staff)

Guaranteed Savings Amount (1/3 or 3/8 of Loan) *

TZS

Declaration: I Agree to Guarantee with My Savings *

Signature

Date *

GUARANTOR 2 (MUST BE A MEMBER) Optional

Member Code or Check Number

Guarantor Full Name

Work Station

Relationship

Mobile Phone

Check Number (Optional for Retirees/Staff)

Guaranteed Savings Amount (1/3 or 3/8 of Loan)

TZS

Declaration: I Agree to Guarantee with My Savings

Signature

Date

SECTION E & F: LOAN REPAYMENT DECLARATION & COVENANT

Select Repayment Methods

Instructions: Select one, two or all three repayment channels that apply to you and specify the allocated installment for each:

Monthly Installment: TZS 0.00

Allocated Amount: TZS 0.00

Remaining: TZS 0.00

1. REPAYMENT VIA TREASURY (Salary Deductions)

If I fail to honor the terms of this loan, lawful recovery actions shall be instituted against me, including deductions from my salary via my employer, plus a 10% monthly penalty on any overdue balance, continuing until full clearance.

2. REPAYMENT VIA BANK (Standing Instruction)

If I breach my Standing Instruction agreement, I agree that appropriate sanctions will be imposed, including a 10% penalty per month on overdue installments until fully settled.

3. REPAYMENT VIA CASH / DIRECT SACCOS ACCOUNT DEPOSIT

If I fail to make timely monthly repayments as agreed, strict recovery measures shall be applied, including a 10% monthly penalty on all overdue installments.

SECTION F: This covenant is governed by the Laws of the United Republic of Tanzania.

I agree to the Terms, Regulations, and Repayment Covenant (Confirm)

Check this box to confirm acceptance, then click Continue to Contract.

Step 4: Loan Documents & Hand Signature Upload

Legal Mandate & Security Requirement: Every applicant must download the Loan Application Form and Loan Contract, and sign both documents by hand with a pen to confirm identity and accept legal obligations before uploading and submitting to the office.

Loan Summary & Official Documents (MRT SACCOS) Loan

Borrower: -

loan.member_code_label: -

Loan Amount: TZS 0.00

Terms & Duration: -

Monthly Installment: TZS 0.00

Total Repayment: TZS 0.00

How to Complete this Step in 3 Easy Steps:

Step 1 (Download All Documents): Click the buttons below to download the Loan Application Form (PDF) and Loan Contract (PDF) directly to your device.
Step 2 (Print and Sign by Hand): Print the documents or go to signature pages, then sign physically by hand with a pen under "Borrower Signature" on both Form and Contract.
Step 3 (Scan or Photograph and Upload): Take a clear photo or scan the signed pages and upload them in the two boxes below.

Complete form with booklet and repayment schedule.

Official legal contract with SACCOS regulations.

1. Upload Hand-Signed Application Form * (Required)

Attach photo or PDF of the application form signed by hand.

Choose signed form file...

2. Upload Hand-Signed Loan Contract * (Required)

Attach photo or PDF of the loan contract signed by hand.

Choose signed contract file...

Accepted formats: PDF, JPG, PNG (Maximum 10MB per file).