RTM
100% TRUSTED PLATFORM
100+ Satisfied CustomersAll-in-One Digital Banking Platform
Everything You Need, Right At Your Fingertips
Fair Access For All
RTM offers instant loans, transfers, bill payments, savings, and investments-all in one simple platform. For many, it’s their first step toward true financial inclusion.
Smart Digital Loans
RTM is fully smartphone-based, removing traditional barriers and giving users easy, anytime access to money-whenever and wherever they need it.
Enabling Seemless Transactions
The RTM wallet is your gateway to effortless banking—send and receive money with no hidden fees, pay bills with ease, and earn rewards along the way.
Make Payments With Ease
We have launched the RTM debit card, enabling our customers to make reliable payments every time, and to make ATM withdrawals with no charges. Coming to other markets soon!
Make More On Your Money
RTM helps you save and invest with ease. In just a few clicks, securely grow your money and enjoy some of the best returns in the market—even while you sleep.
100% Transparency
We don’t want to stifle growth or get someone into a tight spot. That’s why we’re upfront with our lending terms and charges.
Fair Access For All
RTM offers instant loans, transfers, bill payments, savings, and investments-all in one simple platform. For many, it’s their first step toward true financial inclusion.
Smart Digital Loans
RTM is fully smartphone-based, removing traditional barriers and giving users easy, anytime access to money-whenever and wherever they need it.
Enabling Seemless Transactions
The RTM wallet is your gateway to effortless banking—send and receive money with no hidden fees, pay bills with ease, and earn rewards along the way.
Make Payments With Ease
We have launched the RTM debit card, enabling our customers to make reliable payments every time, and to make ATM withdrawals with no charges. Coming to other markets soon!
Make More On Your Money
RTM helps you save and invest with ease. In just a few clicks, securely grow your money and enjoy some of the best returns in the market—even while you sleep.
100% Transparency
We don’t want to stifle growth or get someone into a tight spot. That’s why we’re upfront with our lending terms and charges.
Fair Access For All
RTM offers instant loans, transfers, bill payments, savings, and investments-all in one simple platform. For many, it’s their first step toward true financial inclusion.
Smart Digital Loans
RTM is fully smartphone-based, removing traditional barriers and giving users easy, anytime access to money-whenever and wherever they need it.
Enabling Seemless Transactions
The RTM wallet is your gateway to effortless banking—send and receive money with no hidden fees, pay bills with ease, and earn rewards along the way.
Make Payments With Ease
We have launched the RTM debit card, enabling our customers to make reliable payments every time, and to make ATM withdrawals with no charges. Coming to other markets soon!
Make More On Your Money
RTM helps you save and invest with ease. In just a few clicks, securely grow your money and enjoy some of the best returns in the market—even while you sleep.
100% Transparency
We don’t want to stifle growth or get someone into a tight spot. That’s why we’re upfront with our lending terms and charges.
Why Borrow With Us?
Low Interest Rates
Low interest from 1.2%/month—no hidden fees, just simple, transparent repayment.
Secure & Transparent
Your data is protected with bank-grade security and end-to-end encryption—no hidden fees, no surprises.
100% Paperless Process
Complete your application online with ease. 100% digital, secure, and hassle-free—no paperwork needed.
Features that Empower Borrowers
Smart, secure, and flexible tools designed to make your borrowing journey faster, clearer, and stress-free.
Home
Employees can see how many credits they've earned both daily and monthly. Plus, they can track their progress to unlocking their monthly allowance.
Transparent Loan Terms
No hidden fees or unexpected charges—RTM provides clear loan terms upfront, so you always know what to expect.
Boost Your Fin Score
Every timely repayment boosts your Fin Score, increasing your chances of getting higher loan amounts with better terms in the future.
Instant Loan Approvals
RTM’s AI-driven system quickly assesses your eligibility and approves your loan in seconds, eliminating long wait times and paperwork.
Fast Fund Disbursement
Get your approved loan sent instantly to your mobile money or bank account.
Flexible Repayment Plans
Choose a plan that fits your budget and pay at your own pace.
Get a Loan in 3 Simple Steps
Quick, secure, and fully digital—apply, receive, and repay with ease!
Sign Up & Verify
Download the RTM app, create your account, and complete KYC in minutes.
Apply & Get Funds
Choose your loan type and receive funds instantly in your bank or mobile wallet.
Repay Easily
Make secure repayments via mobile and improve your Fin Score for future loans.
Get Started as Borrower Today!
Download the app to apply for instant, paperless loans with low interest rates and quick approvals.
COLLABORATED WITH
Frequently Asked Questions
You can apply for a loan directly through the RTM app. Simply sign up, complete your profile, and submit a loan application with the required details. Our system will review your application and connect you with suitable lenders.
Interest rates vary based on the loan terms agreed upon between borrowers and lenders. RTM ensures transparency by displaying all rates upfront during the application process. Rates typically range from 5% to 15% annually, depending on the loan type.
To become a lender, register on the RTM platform, verify your identity, and deposit funds into your RTM wallet. You can then browse borrower profiles and choose loans to fund based on your preferences.
Yes, RTM uses advanced encryption and security protocols to protect your personal and financial information. We comply with industry standards to ensure your data remains safe and confidential.