Your Contingency Wallet
Emergency loans for Uganda salary earners.
LoanGram is not a wallet. It is a short Emergency Loan when payday is still weeks away — 0% interest, a 12% service fee, and repayment on Mobile Money.
How the Emergency Loan works
The Android app already talks to /api/ on this host. Staff activate your account before you can borrow.
- 01
Apply in the Android app
Enter the amount, three guarantor phones, and the OTP we send to your line. Product is always Emergency Loan.
- 02
Staff review
Operations appraises, approves the amount, or rejects. Nothing is disbursed until a staff member signs off.
- 03
Repay on Mobile Money
Fourteen weekly slices of the amount-to-repay, due in under 15 weeks. No interest — only the 12% service fee.
One fee. No interest.
A 12% service fee is added once at application. There is no compounding, no late-interest product, and no hidden wallet balance. You repay what you borrowed plus that fee, on Mobile Money.
- ● Product type is always Emergency Loan
- ● Apply with amount, 3 guarantors, and OTP
- ● Statuses the app already knows: Applied → Appraised → Approved → Disbursed → Cleared
Eligibility
- Salary earner with a verifiable employer
- Ugandan national or resident with a +256 Mobile Money line
- 18 years or older
- Account Activated by LoanGram staff after KYC review
Join the waitlist
Tell us you want the Emergency Loan app. We reply from hello@loangram.co.ug. Kampala.