Credit for what actually matters.
Home improvements, a used car, a housing deposit, appliances: Utilo finances your real, everyday needs — with an answer within 24h and no hidden fees.
Four needs, one line of credit.
Home Improvements
Renovation, painting, plumbing, roofing — finance the work that can't wait.
1.6%/mo indicative rate
Buy a Used Car
Get the car or motorbike that gets you to work, without waiting to save it all up.
1.8%/mo indicative rate
Security Deposit (Studio)
Cover the deposit on a studio or apartment and repay over several months.
1.4%/mo indicative rate
Household Appliances / Personal Loan
Fridge, stove, washing machine — or any other one-off personal need.
1.5%/mo indicative rate
Three steps, one payout.
Choose your need
Select what the loan is for and adjust the amount in the simulator.
Send your application
An ID and proof of income are enough, submitted online or in person.
Receive the funds
A response within 24h and a direct transfer to your account or mobile money.
Real needs, resolved quickly.
"I was able to redo the roof before the rainy season — my file was processed in a single day."
"The monthly payment shown in the simulator matched my final repayment schedule exactly."
"My studio deposit was advanced within two days — I could move without any stress."
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Ready to finance your need?
Start a free simulation, no impact on your file, in under two minutes.
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