Customer — Smart Rafiki guides

Where to do this

shop-staging.smartrafiki.co.tz

Find out what you can spend

Tap Financing at the top of the shop. You do not need anything in your basket — this deliberately comes first, so that nothing is a surprise later.

You may be asked for up to three things:

Who you are — an identity check with a photo of your ID
Where you work — a code sent to your work email address
Your bank statements — six months, as PDFs from your banking app

You may not need statements

If your employer already sends us their staff list, your salary comes from there and you can skip the bank statements entirely. Sending them anyway can improve your result, because they show more than a salary figure does.

A pre-qualification result showing a limit and repayment options — What you get at the end: an amount, and what it costs to repay over 3, 6, 9 or 12 months.

Your limit comes with a term

An amount on its own does not tell you the monthly cost — the same amount over three months is double the monthly of six. The screen always shows both. Choose the term that fits your month, not just the biggest number.

"Your application is being reviewed by our team"

It means we could not finish the check on our own, not that you were refused. The screen will offer whichever step is still missing — confirm where you work, send statements, or finish verification. Doing that is usually all it takes.

Prove where you work

Use your work email address, not a personal one. We send a 6-digit code to it, valid for 10 minutes. A personal address cannot connect you to your employer.

Your employer never sees that you applied, and never approves your loan. They supply a staff list; the credit decision is ours.

Send bank statements

Six months, one file per month, downloaded as a PDF from your banking app.

A photo of your screen will not work

It cannot be read. Use the bank's own download or statement email.

Six statement slots, one showing Received — A month with a file shows **Received**.

If you sent the wrong file

Tap the month again and choose the right file. It replaces the one we already have.

Choose something

The shop catalogue showing products — Browse normally. Your limit is checked when you set up the plan.

You can put anything in your basket. If it costs more than your limit, the payment step will tell you exactly how much more, and you can either remove something or pay a bigger deposit.

Set up your plan

At checkout choose Rafiki Pay in Installments. Three steps: the plan, the agreement, the deposit.

The plan step with repayment periods and a schedule preview — Before you sign anything you see the monthly amount, the total, and every payment date.

Then you sign with a 6-digit code sent to your phone, and pay a deposit by mobile money. The plan starts once the deposit clears.

Keep your code to yourself

The signing code is your signature on a credit agreement. Nobody from Smart Rafiki will ever ask you for it, or for your PIN.

Paying it back

Payments are taken automatically on the dates shown in your plan. You can also pay early. If money is going to be tight in a given month, tell us before the date rather than after — it is a much easier conversation.

If you leave your job

Your agreement is with Smart Rafiki, not with your employer, and it continues. Get in touch and we will set up another way to pay.

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