Using Easy Mobile Loan Repayment, EFC loan customers can conveniently make on-time installment payments using their mobile phones.
With the use of a service called Easy Mobile Loan Repayment, EFC loan customers can conveniently use their mobile phones to make on-time installment payments on their loans.
Both the MTN and Airtel Uganda networks offer this service, which is powered by Mobile Money.
EFC Uganda Limited (EFCUL), usually referred to as EFC Uganda, is an MDI for microfinance in Uganda. The Bank of Uganda, the country’s central bank and national banking regulator awarded it a license and oversees it.
Most of the time, EFCUL lends to small businesses. Below we explain how to make loan repayments via Airtel Money and MTN Mobile Money plus other important EFC features.
How to pay using Airtel money
- Press *185 to go to the Airtel money menu
- Select Pay Bill
- Select another number
- Enter your EFC business number
- Put amount
- Enter your reason of payment
- Confirm pay
- Then enter PIN

How to pay using MTN Mobile Money
- Press *185 to go to the MTN Mobile Money menu
- Choose payments
- Choose goods & Services
- Enter Merchant Code EFC
- Enter EFC client number(Payment Reference)
- Enter amount you wish to pay
- Confirm with your PIN.
Featured products from EFC Uganda

Business loans
Micro and small businesses (MSEs) in Uganda who want quick and effective finance services work with EFC Uganda.
Entrepreneurs can use the EFC Business Loan to finance working capital needs, purchases of inventory and/or equipment, investments, the purchase of agricultural supplies, or any other business-related reason.
Only businesses engaged in revenue-generating activities should use this product.
Features of this loan
- Beginning with a minimum loan of amount $2,000,000
- Convenient 60-month repayment period, based on the loan amount permitted
What you get
- Competitive rates calculated on a reducing balance
- Lower interest rate for repeat loans
- Quick and easy access to credit
Who is eligible?
- The borrower must be a business owner, merchant, or other types of legal organization that generates income.
- Must be of majority age
- Possess at least six months’ worth of experience in the same field.
- Prove your abilities to run a firm profitably.
- Have back-up (e.g. business equipment, vehicle, house or land)
Home Improvement Loan
The most significant personal asset that the majority of people will acquire in their lifetime is their home. A house’s worth will increase over time if it is kept in good shape through modifications and improvements.
As a result, house modifications not only improve living conditions but also serve as an investment and a solid family legacy.
Features for this loan
- Minimum loan amount of Ugx 2,000,000
- Competitive interest rates
- Convenient repayment period of up to 60 months
What do you get?
- Competitive rates calculated on a reducing balance
- Lower interest rate for repeat loans
- Quick and easy access to credit
Who is eligible?
The borrower must be a business owner, retailer, or other types of legal entity carrying out activities that generate income.
- Must be of legal age to do so
- Possess at least six months’ experience in the industry;
- Be able to prove your knowledge and proficiency in the relevant field of business
- Possess a guarantee
- Have back-up (e.g. business equipment, vehicle, house or land)
Women Market Trader Loan
The EFC Women Market Trader Loan is created exclusively for female business owners who require quick and effective small loan services.
It can be used to fund a variety of things, such as working capital, the acquisition of equipment, investments, and agricultural supplies, to mention a few.
Features of this loan
- Minimum loan amount starts at Ugx 2,000,000
- Convenient repayment period of up to 36 months
What do you get?
- Lower interest rates for repeat loans
- Quick and easy access to credit
- Rates that are competitive and based on a reduced balance
Who is eligible?
- The borrower must be a business owner, merchant, or other type of legal organization that generates income.
- Must be of legal age to do so
- Possess at least six months’ worth of experience in the same field.
- Prove your abilities to run a business profitably.
Conclusion
To get in touch, or know more about Easy Mobile Loan Repayment, the EFC Uganda offices are located on Plot 45, Kira Road, Kamwokya.
You can also reach them via email at info@efcug.com or call them on +256 393 202 556/557. EFC Uganda has many branches around Uganda in areas such as Mukono, Nate, Nansana, Ndeeba and Kololo.