Enabling access to credit at every touchpoint
A technology-led credit infrastructure connecting borrowers, lenders and distribution partners across loans and credit cards.
Our lending ecosystem
Personal loans for salaried and self-employed
Instant personal loan powered by digital underwriting and seamless disbursement.
- Digital KYC & onboarding
- Flexible tenure option
- Instant disbursement
Microfinance
Small-ticket credit for the UAE's smallest businesses.
Accessible, responsible finance for the micro and small enterprises that formal lending tends to overlook
- Fully digital, minimal documentation
- Transparent terms built to be repaid
- Fully compliant with UAE regulations
Gold loans
Unlock the value of gold assets with quick, transparent and secure loan processing.
- Gold valuation & assessment
- Minimal documentation
- Quick disbursement
- Flexible repayment options
- Secure gold custody
Home loans
End-to-end home financing connecting borrowers with the right lending partner for every property need.
- Competitive interest rates
- Assisted documentation
- Long-tenure options
Loan against property
Leverage residential or commercial property to access high-value secured credit.
- Higher loan amounts
- Longer tenures
- Competitive rates
- Self-employed & salaried eligibility
Credit cards
A range of credit cards tailored to spending patterns, rewards preferences and credit profiles, issued through leading partners.
- Rewards & cashback cards
- Travel & lifestyle cards
- Fuel & everyday spend cards
- Instant Digital Issuance
- Secured and unsecured credit cards
Borrow smart, repay in easy instalments.
"Rafiki" means friend in Swahili — instant loans for Tanzania's workforce, financial freedom just a tap away.
Built for:
- Microentrepreneurs & farmers
- Factory & estate workers
- Students
- Sacco/VICOBA/ROSCA members
- TASAF/UNHCR/Save the Children/Care beneficiaries
Infrastructure for the next generation of credit
From personal loans and secured credit to credit cards and loan servicing, airpay capital operates across the critical layers of the modern credit ecosystem.
