Money that
moves with you .
A digital microfinance built for Ethiopia's workers, youth, and entrepreneurs. Open a wallet, verify with Fayda, and borrow what you need — instantly, on your phone.
Welcome back
Almaz Tesfaye
Wallet balance
ETB 4,500
Linked to TeleBirr
Salary advance
Up to ETB 6,000
Repaid 30 Jun
Term loan
Up to ETB 36,000
3–12 months
ETB 0M
Paid-up capital
NBE-licensed
0
Day-1 integrations
TeleBirr · EthSwitch · Fayda · NBE BSA
<0s
Time to first loan
For verified salary earners
0/7
Always-on banking
Apply or repay any time
Products
Built for how you actually earn, spend, and save.
Three core products, each designed for a real moment in your life. No hidden fees, no surprises, full transparency on every birr.
Salary Advance
Cash before payday
Up to half of your monthly salary, available instantly. Repaid automatically on your next paycheck — no fees if you repay on time.
- 1–3 month terms
- Instant decision
- Repaid by employer payroll
Term Loan
Bigger moments, planned
Up to three times your monthly salary for the things that matter — equipment, education, a business launch.
- 3–12 month terms
- Transparent APR
- Flexible repayment
Wallet & Savings
A bank in your pocket
Receive your salary, send and receive via TeleBirr and EthSwitch, save with interest. All from one app.
- No monthly fees
- Linked to TeleBirr
- Earn interest on savings
Empowering youth
70% of Ethiopia is under 30.
We're built for them.
Most Ethiopian banks won't lend without collateral or a multi-year credit history. Alliance Microfinance was created to change that — using employer-verified income, Fayda digital identity, and mobile-first onboarding to give young earners and founders access to capital from the very first paycheck.
9 in 10
of our first cohort are under 35
Education-first
Skill-up loans for vocational training, university fees, and certification programmes. Repayment kicks in after you finish.
First-job ready
A wallet and credit history from your first salary, so you build a relationship with the financial system from day one.
Founder fuel
Working-capital and equipment loans for small businesses run by entrepreneurs under 35.
“Financial inclusion isn't a programme.
It's our entire business model.”
How it works
From download to disbursement in three steps.
Sign up
Download the app, enter your phone number. SMS verification, no paperwork.
⏱ 30 seconds
Verify with Fayda
Confirm your identity using Ethiopia's national digital ID. NBE-approved, instant.
⏱ 1 minute
Apply for a loan
Choose salary advance or term loan. Funds land in your wallet — usually before you put your phone down.
⏱ Under 60 seconds
Your bank, inside WhatsApp.
No app to install, works on any phone with WhatsApp. Message us and our assistant opens your account, moves your money and answers anything — instantly.
- Open your account in chat
- Check your balance
- Send money to anyone
- Ask for a loan & repay
- Instant receipts, in chat
Scan with your phone camera — or message +251927001156
142 employees
For employers
Better banking,
as an employee benefit.
Give your team access to fair credit and a modern digital wallet — at zero cost to your business. Alliance partners with employers across Ethiopia to deliver workplace banking that actually works for your workforce.
Retain your best people
Studies show 78% of Ethiopian workers face cash-flow stress before payday. Salary advance gives them a fair, affordable alternative to informal lenders.
Zero ops overhead
Upload your roster once a month. Repayment deductions show up as a single line on payroll — no per-employee reconciliation.
Free for employers
No setup fees, no per-employee cost. We earn from regulated interest on the loans your team chooses to take.
From our customers
Real Ethiopians. Real outcomes.
We're still in early days — but the first cohort is already telling stories we're proud of.
I got my salary advance approved in under a minute. The money was in my TeleBirr before I finished my coffee. This is what banking should feel like.
Meron Haile
Designer, Addis Ababa
Alliance funded my second delivery van when no bank would. Two months later we doubled our orders. The team here actually understands small business.
Yonas Abebe
Founder, Selam Logistics
I used a small term loan to pay for my final-year project. No collateral, no parent guarantor — just my Fayda ID and my stipend statement.
Hanna Girma
University student, AAU
Trust & safety
Built to a banking standard. Operated to a higher one.
Every line of customer data lives within Ethiopia. Every transaction is signed, audited, and regulator-ready.
NBE-licensed
Authorised by the National Bank of Ethiopia under Microfinance Business Proclamation No. 626/2009.
Fayda e-KYC
Identity verification through Ethiopia's national digital ID — the NBE-approved e-KYC pathway.
INSA-aligned security
TLS 1.3, AES-256 at rest, mutual TLS for partner APIs, and continuous monitoring.
In-country data
All customer and transactional data stored and processed within the Federal Democratic Republic of Ethiopia.
Frequently asked
Honest answers, no fine print.
Any Ethiopian citizen aged 18 or older with a Fayda digital ID and a registered Ethio Telecom mobile number. For salary advance, your employer must be an Alliance partner.
For verified salary earners, salary advances are auto-approved and disbursed in under 60 seconds. Term loans typically receive a decision within 2 hours during business days.
Salary advance APR is published transparently in-app before you confirm. There are no hidden fees, no early-repayment penalty, and no fee if you repay on time via payroll deduction.
All data is stored and processed in-country in compliance with NBE data localisation rules. We use AES-256 encryption at rest, TLS 1.3 in transit, and INSA-aligned security controls.
Open the app on a new device with your Fayda-registered number. After OTP verification we re-link your account. Suspected fraud? Call our 24/7 support number to freeze the wallet instantly.
Salary advances are repaid automatically from your next paycheck via your employer's payroll deduction. Term loans are repaid monthly via direct wallet debit, with reminders 3 days before each due date.
Your first paycheck deserves
real banking.
Open your Alliance account in under a minute. Fayda-verified, NBE-regulated, instant.