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About Us
PICO Financial Services Uganda
At PICO Financial Services Uganda Limited, we are committed to making finance accessible, affordable, and empowering for individuals, groups, and businesses across Uganda.
We are a proudly Ugandan microfinance institution dedicated to unlocking economic opportunities through innovative financial solutions. With a strong focus on inclusivity, we serve a diverse clientele—including civil servants, women’s groups, small and medium-sized enterprises (SMEs), farmers, and informal sector workers.
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Get the funds you need with fast approval and dedicated support every step of the way.
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Our Services
Services We Offer
💼 Salary Loans for Civil Servants
Accessible credit for permanently employed government workers.
💰 Loan Amounts: UGX 500,000 – UGX 30 million
⏳ Repayment Period: 6 – 36 months
🧾 Payroll Deduction: Automatic repayment through ministry partnerships
👩👩👧👧 Group Loans for Women
Empowering women in rural and peri-urban communities through group lending.
👥 Group Size: 5–30 registered members
📈 Loan Range: UGX 100,000 – UGX 2 million per member
📅 Repayments: Weekly, with peer guarantees and financial training
🏪 SME Business Loans
Working capital support for small and medium-sized businesses.
💼 Loan Size: UGX 2 million – UGX 50 million
📆 Term: 3 – 12 months
🔁 Purpose: Restocking, equipment, or cash flow support
📄 Invoice Financing
Advance funds against verified invoices or Local Purchase Orders.
📦 Coverage: Up to 80% of invoice/LPO value
⌛ Repayment: 30 – 90 days
🏛️ Best For: Government, NGO, and corporate suppliers
💵 Payday Loans
Short-term loans for employees of partner firms, repaid via salary deductions.
💰 Amount: Up to 50% of net salary
🗓️ Term: 1–3 months
💳 Repayment: Deduction at source
✅ Eligibility: Employees of partner firms
⏱️ Disbursement: 24–48 hours
🎯 Use: Emergencies, school fees, medical, personal needs
our benefits
Why Choose Us?
We go beyond traditional lending to provide financial services that are accessible, personalized, and impactful. Here’s why thousands of Ugandans trust PICO Financial Services:
⚖️ Affordable
Fair pricing with no hidden charges—loans that suit every income level.
🔄 Flexible
Repayment terms and loan options tailored to your income and needs.
⚡ Instant
Fast loan processing—ideal for emergencies and quick cash needs.
🔐 Secure
Structured approvals and trusted repayment channels like payroll deduction.
🌍 Inclusive
Designed for everyone—civil servants, SMEs, farmers, women’s groups, and more.
contact with us
Get in Touch
Need help choosing the right loan? Have questions about your application? We’re just a call or message away.
- +256 774 040 905, +256 772 362199
- info@pfsug.com
- Apartment 2B, 2nd Floor, Rovis Building Salim Bay Road, Kampala, Uganda