Kray MicroFinance is a Bank of Uganda-regulated institution dedicated to delivering accessible, affordable financial services to individuals, traders, and small businesses across Uganda.
Kray was founded on a simple belief: every Ugandan — whether a market trader, a boda rider, or a salaried employee — deserves access to fair, fast, and trustworthy financial services.
We started as a community savings and credit institution and have grown into a full-service microfinance institution offering loans, savings, investments, and digital banking tools designed for the realities of the Ugandan economy.
We are regulated by the Bank of Uganda and committed to the highest standards of transparency, service, and financial inclusion.
We operate with full transparency — in our rates, our terms, and our dealings with every customer.
Financial services should reach everyone — from the market stall to the office block. We design for inclusion.
Time is money. We process applications fast, disburse same day, and remove unnecessary bureaucracy.
We invest in the people and businesses around us — because when our customers grow, Uganda grows.
From USSD banking to app-based loans, we use technology to make finance simpler and more accessible.
Regulated by the Bank of Uganda. Your savings and transactions are safe, secure, and protected.