Loans designed to meet your everyday needs
Afari & Sanadna
Afari and Sanadna Loans
Improve your everyday life with Microcred’s Afari & Sanadna loans.
Finance your essential needs: housing, special occasions, buying a motorcycle, healthcare or education, with peace of mind.
Benefit from simple, fast solutions tailored to your needs.
With Microcred, bring greater comfort and security to your life and that of your family.
Afari Home Improvement
Afari li Tahsin Masken
The Afari Home Improvement loan provides financing of up to 6,000 dinars for entrepreneurs, employees and retirees wishing to renovate, extend or improve their homes to enhance their living conditions and household comfort.
- Public- and private-sector employees wishing to improve or modernise their homes for greater comfort.
- Entrepreneurs and self-employed individuals wishing to invest in the maintenance or renovation of their primary residence.
- Retirees wishing to adapt their homes to their needs (accessibility, thermal comfort and safety).
- Renovation work (painting, tiling, plumbing, carpentry, electrical work, roofing, insulation and waterproofing);
- Extension or modernisation work (extensions, terrace improvements, kitchen or bathroom renovations);
- Purchase of household equipment (air conditioning, heating, water heaters, built-in furniture and essential household appliances)
- Energy-efficiency improvements (solar panels, water- or energy-saving systems),
- Financing the materials and labour required for the work.
Be between 18 and 69 years old
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)
Note: This list is not exhaustive and depends on the nature of the activity.
Afari Education
Afari lil Taalim w Takwin
The Afari Education and Training loan, offering financing of up to 6,000 dinars, is designed to support families, students, employees and entrepreneurs with expenses related to schooling, vocational or university education, and personal development.
This loan aims to facilitate access to education and training by offering a flexible financing solution tailored to the customer’s repayment capacity, while encouraging investment in human capital and improvements in long-term living conditions.
- Employed parents wishing to finance their children’s schooling or higher education.
- Students needing financial support to continue their studies or specialised training.
- Recent graduates wishing to invest in additional training or certification to improve their employability.
- Employees and self-employed professionals wishing to undertake professional development or retraining.
- Entrepreneurs seeking training in business administration, management, digitalisation or any other subject to develop their activities.
To cover needs such as:
- Tuition fees for primary, secondary, university or private educational institutions;
- Vocational or continuing education courses, in Tunisia or abroad;
- Purchase of educational and technological equipment (computers, tablets, software, technical instruments, etc.);
- Travel, accommodation or registration expenses related to studies or training;
- Financing specialised studies (languages, certifications, career changes, etc.).
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)
Note: This list is not exhaustive and depends on the nature of the activity.
Afari Energy Consumption Management
Afari lil Tahakom fil Taka
The Afari Energy Consumption Management loan, offering financing of up to 6,000 dinars, is designed to encourage households, entrepreneurs and retirees to invest in energy-efficient solutions and low-consumption equipment, in order to reduce their energy expenses and improve their everyday comfort while contributing to environmental protection.
- Public- and private-sector employees wishing to reduce their electricity bills and improve energy efficiency and comfort at home.
- Entrepreneurs and self-employed individuals wishing to equip their business premises or shops with sustainable energy solutions.
- Retirees wishing to invest in solar installations or energy-efficient appliances to reduce their expenses.
- Small retailers and craftspeople seeking to control energy costs (lighting, refrigeration, ventilation, etc.).
- Financing the installation of solar systems (photovoltaic panels, solar water heaters).
- Purchase of energy-efficient household appliances to reduce electricity bills.
- Investment in home insulation and thermal renovation.
- Energy upgrades to business premises to reduce operating costs.
- Flexible, gradual financing, allowing repayments to be made from savings on energy bills.
- Technical support to choose the most suitable certified equipment.
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)
Note: This list is not exhaustive and depends on the nature of the activity.
Afari Special Occasions
Afari li Mounasabty
The Afari Special Occasions loan, providing financing of up to 6,000 dinars, is a social loan designed to meet occasional needs and support households, employees, retirees and small entrepreneurs in managing seasonal or one-off expenses associated with family, religious or social events (Eid, Ramadan, the start of the school year, weddings, celebrations, etc.). This financing aims to offer a fast, flexible and accessible solution enabling customers to meet their personal or family commitments without compromising their financial stability.
- Public- and private-sector employees wishing to cover one-off expenses (back-to-school costs, celebrations and ceremonies).
- Retirees needing temporary support to celebrate holidays or help their families.
- Any individual needing financial assistance to cover important special occasions.
- Families on fixed incomes facing exceptional or seasonal expenses.
- Purchases associated with religious holidays (Eid, Ramadan, etc.): clothing, food, gifts and decorations;
- Back-to-school expenses: supplies, uniforms and enrolment fees;
- Family celebrations: weddings, births, circumcisions and end-of-year festivities;
- Purchases of durable goods or household appliances for special events;
- Exceptional healthcare or family travel expenses.
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account)
Note: This list is not exhaustive and depends on the nature of the activity.
Afari Motorcycle
Afari bi Moutouri
The Afari Motorcycle Purchase loan is a financing solution designed to enable employees, self-employed individuals, entrepreneurs, delivery workers and retirees to buy a new or used motorcycle for their personal or professional transport needs.
It is an accessible loan with a simplified application process and flexible repayments, meeting the needs of daily commuting, transporting light goods or income-generating activities.
- Low- or middle-income employees who use a motorcycle to commute to work.
- Small retailers and craftspeople needing transport to deliver their products or travel between suppliers and customers.
- Young entrepreneurs and independent delivery workers (delivery services, platforms and fast food).
- Micro-entrepreneurs in urban or rural areas needing reliable, affordable transport.
- Active retirees looking for a practical and affordable means of personal transport.
To cover needs such as:
- Purchase of a new or used motorcycle (electric or petrol-powered);
- Purchase of additional equipment (helmet, vest, anti-theft lock, insurance and registration);
- Maintenance or road-readiness costs;
- Where applicable, the costs of starting a delivery or light transport activity.
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (bank statements (personal or business
Note: This list is not exhaustive and depends on the nature of the activity.
Sanadna for Essential Needs
Sanadna lil Dharoura
The Sanadna Essential Needs loan, offering financing of up to 6,000 dinars, is a short-term social and solidarity-based loan designed to provide prompt financial assistance to people facing an unexpected or urgent expense.
This product aims to prevent financial vulnerability by offering an immediate, simple and accessible solution to pressing needs, without resorting to informal or costly sources of financing.
- Any individual needing temporary financial support to avoid informal borrowing.
- Low- or middle-income employees facing an unexpected financial need.
- Micro-entrepreneurs and self-employed individuals needing quick support to keep their business running (repairing a tool, making an urgent stock purchase, etc.).
- Retirees or people on fixed incomes facing an unplanned healthcare or family expense.
- Returning customers with a good repayment history seeking quick access to credit in an emergency.
- Urgent healthcare expenses (medical treatment, hospitalisation and medication);
- Emergency repairs or replacements (home, vehicle or work equipment);
- Exceptional family circumstances (bereavement, urgent travel or assisting a relative);
- Short-term cash-flow needs to avoid financial disruption.
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (bank statements (personal or business, if ban
Note: This list is not exhaustive and depends on the nature of the activity.
Sanadna Healthcare
Sanadna lil Saha
The Sanadna Healthcare loan is a social loan of up to 6,000 dinars for medical purposes, designed to help individuals, employees, self-employed people and retirees cover healthcare expenses not covered by insurance or social security schemes. This product aims to preserve the dignity and financial stability of households facing urgent or planned medical expenses by offering a fast, accessible financing solution at a controlled cost.
- Low- or middle-income employees facing unexpected or uncovered healthcare expenses.
- Retirees needing support to cover recurring treatments or specialised care.
- Micro-entrepreneurs and self-employed individuals without formal health insurance coverage.
- Female heads of household wishing to finance maternity or paediatric care.
- Returning customers seeking a fast, supportive solution for one-off medical expenses.
- Specialist medical consultations and diagnostic tests (laboratory tests, imaging, etc.);
- Hospitalisation and surgical procedure costs;
- Purchase of medicines or medical equipment;
- Dental, optical or hearing care;
- Long-term treatments or rehabilitation.
Be between 18 and 69 years old
For employees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Bank statement
For retirees:
- Copy of identity card
- Payslip or salary certificate issued by the employer
- STEG/SONEDE utility bill
- Pension certificate issued by the CNSS or CNRPS
- Bank statement
For entrepreneurs:
- Copy of identity card
- Proof of business activity (lease agreement or property title for the premises, trade register, business licence, or other supporting documents, etc.)
- Proof of address (STEG/SONEDE bills or other supporting documents)
- Proof of income or repayment commitment (personal or business bank statements, if the applicant has a bank account))
Note: This list is not exhaustive and depends on the nature of the activity.
