Havemore is a Uganda-based online loan app known for its quick and convenient unsecured lending. It offers flexible terms, high borrowing limits, and fast approval, making it a popular choice for addressing urgent financial needs
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Havemore is a reputable online financial assistance application in Uganda that has garnered significant user interest and usage. It particularly focuses on providing quick and convenient unsecured online lending services. The Havemore App facilitates convenient and flexible borrowing for users right on their mobile phones. This application aims to address urgent financial needs and meet users’ fast-paced borrowing requirements.

Key Highlights of Havemore

Simple and Flexible Borrowing Process

Havemore offers a straightforward borrowing process, saving time and effort for users. Registration and loan application submission are done online through the app, eliminating the need to visit physical offices or branches. Users only need to provide personal information and a copy of their national ID to complete the loan application.

Flexible Interest Rates and Repayment Terms

Havemore allows users to choose borrowing limits and repayment durations that align with their personal financial capabilities. Repayment periods can range from 91 to 365 days, with interest rates between 12% to 24% per annum, giving borrowers ample time to prepare and repay their loans with ease.

Attractive Loan Limits

Havemore App offers relatively high borrowing limits, up to 500,000 UGX, with a minimum limit of 100,000 UGX. This enables users to efficiently meet their large and urgent financial needs.

No Transaction or Service Fees

Havemore does not charge any transaction or service fees. This helps users save costs when utilizing the unsecured lending services provided by the app.

Quick Approval and Same-Day Disbursement

Havemore employs a straightforward and fast loan approval process. Typically, loan applications are processed within 30 to 60 minutes, depending on user information and the loan amount. Once approved, the borrowed funds are disbursed on the same day, often within as little as 30 minutes. This allows users to swiftly address urgent financial matters.

Automated Credit Scoring System

Havemore utilizes an automated credit scoring system to evaluate borrowers’ repayment ability and reliability. This convenience benefits users for future loan applications, as the system stores customer credit information and automatically calculates scores, enabling quick and transparent approval decisions.

Disadvantages of Havemore

Higher Interest Rates Compared to Banks

One drawback of Havemore is that the interest rates for loans can be higher than those offered by traditional banks. This necessitates careful consideration by users before deciding to borrow and ensuring timely repayment to avoid accruing high-interest costs.

Limited Loan Limits

Although Havemore provides relatively high borrowing limits compared to many other online lending apps, it still has limitations compared to traditional banks. The maximum loan limit is 500,000 UGX. Therefore, users in need of a larger sum may need to explore alternative sources of financing.

How to Apply for a Loan with Havemore

Step 1: Visit the website or download the Havemore APK/IOS app at cashloanapp.net. Choose the desired loan amount and repayment term. Enter your mobile phone number to receive an OTP (One-Time Password). Then, input the received OTP and select “Apply for a loan.”

Step 2: Fill in your personal information in the registration form. You will need to take a portrait photo and photos of the front and back of your national ID card to provide the necessary information.

Step 3: Havemore will review your loan application within a timeframe of 30 to 60 minutes, depending on your information and loan amount.

Step 4: Once your loan application is approved, the borrowed funds will be directly transferred to the bank account you registered beforehand. You can use the loan amount to address urgent financial needs.

Note: The information you provide to the Havemore app must be accurate and complete. The loan amount you are eligible for, whether large or small, depends on the information you provide to the app.

Contact Information for Havemore

Here is the contact information for the Havemore App, including:

  • Website: https://www.havemoreloan.com
  • Support Email: [email protected]
  • Address: 8J5W+960, Tank Road, Kampala, Uganda.

If you have any questions, inquiries, or need assistance related to the Havemore app or their loan services, you can send an email to the address above to receive support.


Havemore is an online unsecured lending app in Uganda, with many advantages such as flexible repayment terms, no transaction or service fees, and support for a 0% interest rate for students and first-time borrowers. The app provides a simple loan application process and high borrowing limits, depending on the borrower’s financial capability and credit history. The disbursement is quick, often within the same day or as little as 30 minutes after loan approval.

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