Loans for Civil Servants in Zimbabwe

Phones, Solar & Furniture on Credit for Zimbabwe Civil Servants

We help teachers, nurses and government staff across Zimbabwe get the things they need today without emptying their pockets. Browse our range, pick your payment plan, and we'll deliver to your doorstep – from Bulawayo to Harare and everywhere between.
Modern credit service is always on point! 
They always deliver as per agreement. 
Ameliorate Ncube

Why Modern Credit?

We've helped thousands of Zimbabwean civil servants furnish their homes and stay connected with straightforward credit plans that work with government payrolls.

Civil‑servant friendly

We work directly with government payroll systems to offer you manageable monthly payments. Clear pricing, no hidden fees, and you can settle early when your bonus comes through.

Broad Product Selection

From Samsung and Itel phones to quality furniture and solar backup systems. We partner with trusted Zimbabwean suppliers and manufacturers to bring you reliable products.

Zimbabwe-Wide Service

Based in Bulawayo and serving the nation. We understand the unique challenges civil servants face in every province and offer personalized support in your area.
Ready to see what you qualify for? Apply today!

Three Simple Steps to Get Your Products

Getting credit with Modern Credit is simple. Complete three quick steps and you could have your new items within days.

Quick Application

To apply you provide a copy of your ID, proof of residence and a copy of your current pay slip.

Fast Approval

We handle all the paperwork with your employer and the bank. Most applications are processed within 48 hours.

Doorstep Delivery

As soon as the bank approves your loan, we make arrangements for you to receive your order.

Popular Products Available on Credit

Browse our most requested items below – all available with flexible payment terms designed specifically for civil servants.

What Our Customers Say

I'm so grateful ngeService yenu. I have my very durable gadgets from your company. May God Bless your abundantly!
Zibusiso Ndlovu
Nurse, MAPHISA
Modern Credit made my life easy l managed to get products that l couldn't afford to buy cash.
- Products offered are durable and of best quality.
- Its very fast to get the favourite product you want.
- Their payment installment plan is affordable.
Josephine Makoti
Teacher, BULAWAYO
Having known the Modern Credit team I have had an opportunity to acquiring gadgets which have made the work easier. Modern Credit has modernised the way I do my business on a day to day basis. Thank you Modern Credit.
Sikhulile Dube
Head Teacher, NKAYI
Hie, bought my baby laptop from u 3 years back, the service was professional but👌🏾at the same time. Because of ur efficiency l came back late last year n spoilt myself with a tecno pop 2 phone n I'm enjoying myself. No complaints on my part!!
Loveness Ncube
Nurse, MAPHISA