Unsecured Personal Salary Loans Terms & Conditions

These Terms and Conditions (the ‘Campaign Terms and Conditions’) are supplementary and apply to customers who are eligible and have applied for the 2024 Personal Loan Campaign which shall run from 20th February 2023 to 8th May 2024. Customers are urged to read them carefully in conjunction with the detailed Personal Loan Terms and Conditions applicable to the Unsecured Personal Loan product. In the event of any inconsistencies between these Campaign Terms and Conditions and the Personal Loan Terms and Conditions, the Personal Loan Terms and Conditions shall prevail.

Eligibility Criteria

  • Must be 18 (eighteen) years of age or older.
  • You are a salaried employee earning in either Uganda Shillings or United States dollars.
  • You are a new or existing dfcu Bank customer who applied for and acquired a personal unsecured loan during the campaign period.
  • The loan facility is not in arrears at the time of the raffle draw.

Customer Rewards Program

  • Participation in the rewards program is subject to the eligibility criteria above.
  • Raffles draws to be held at periodic intervals as determined by the bank and up to 15 lucky customers will win up to 30% of the loan principal or Ugx 5 million whichever is lower in form of loan repayments.
  • Other rewards such as gifts, vouchers etc. may be given to lucky customers at the discretion of the bank during the campaign period.

Loan Repayment

  • Borrowers are responsible for repaying the loan amount in accordance with the terms and conditions outlined in the loan agreement.
  • Failure to make timely payments may result in additional interest charges, or other penalties as specified in the loan agreement.
  • Borrowers are encouraged to communicate with the lender in case of financial difficulties to explore potential options for loan restructuring or payment arrangements.

Modification of Terms

  • The bank reserves the right to modify or amend the terms and conditions of the personal salary loan campaign at any time without prior notice.
  • Any changes to the terms and conditions will be communicated to borrowers through appropriate channels, including the website, social media platforms or other means of communication.


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