This product is available in Mainland Tanzania, and eligible customers can apply through ESS (Watumishi Portal). Its is tailored for confirmed public servants whose salary deductions are processed through the Treasury and who have a valid Check numbers. They can be working in public service, such as teachers, healthcare workers, law enforcement, or other government positions. The key features of civil servant loans is their favorable terms, which often include lower interest rates, flexible repayment options, and simplified approval processes. These loans are designed to provide government workers with easy access to credit, helping them meet their financial needs while taking into account their stable employment and income. Loan amounts can range from TZS 100,000 to TZS 30,000,000, with repayment periods of 3 to 96 months.

The following are the features and requirements of CS loans:

• The applicant must be a Tanzanian national and aged 18-60 years.
• The applicant must be a confirmed government employee under an approved employer.
• The applicant must be actively working and registered in the ESS.
• The remaining period of service before retirement must be at least 3 (three) months longer than the maturity date of the loan.
• The applicant must have an active bank account, into which his/her salary is paid.
• The applicants should satisfy the affordability criterion.
• Top up applicants must be serving the existing loan at least three month (1 Month) with full installments.