LONA O DEFA

Transform your savings

Unlock the instant mobile credit by cultivating your savings. We offer a seamless and efficient credit solution securely.

Optimize your savings strategy

Access instant mobile credit designed for Vodacom network users subscribed to M-Pesa. Dial *1122# to access your account menu from anywhere.

Enjoy the benefits well-designed for you

  • Inclusive growth: Foster greater financial inclusion with micro-credit opportunities for all, including small traders, merchants, and street vendors.

  • Unlimited access: Enjoy unlimited access to your funds through all FINCA branches and the extensive network of M-Pesa agents in the DRC.

  • Convenient access: Easily manage your account using the USSD code *1122# on your phone or through the M-Pesa app, available on the App Store and Google Play for a user-friendly experience.

  • Manage anytime, anywhere: Experience the freedom to manage your finances anytime, anywhere, at any M-Pesa agent.

Enhance your savings pathway

Secure instant mobile credit by fostering your savings growth.

  • Guaranteed safety: Enjoy peace of mind with guaranteed safety, ensuring you stay in control of your money.

  • Check your balance on M-Pesa: Easily request your account balance or statement through the M-Pesa platform.

  • Effortless transfers: Seamlessly facilitate domestic transfers within the network.

  • FINCA certificate: Unlock the possibility of obtaining the FINCA certificate for additional financial advantage.

Simple access to savings

Discover the straightforward process to access the exclusive benefits of the O DEFA Canvas program.

Terms and Conditions

  • Age requirement: Accessible to individuals aged 18 and above, ensuring widespread access to exclusive benefits.

  • Connect your identity: Link your M-pesa account with your identity through KYC (Know Your Customer) protocols.

  • Minimal Deposit: Initiate your account with a minimum deposit of just $1.

  • Regulatory limits: Transactions adhere to regulatory and security constraints, ensuring safety and compliance with predefined limits.

Unlock the credit with ease

Attain instant mobile credit is simple, offering a seamless and efficient credit solution.

More benefits for you

  • Accumulated savings: Accumulate savings and earn a competitive 2% interest per year on your balance.

  • Mobile loans: Eligible customers can access instant mobile loans based on their M-pesa, GSM, Savings transactions, and repayment history.

  • Short-term loans: Benefit from short-term loans with a maximum repayment period of 7 days, providing swift solutions for urgent financial requirements.

Application process is simple and easy

We streamlined the service to create the best experience for each customer.

  • 1

    Visit a nearby FINCA branch
    Visit a nearby FINCA branch where our team will guide you through account setup.

  • 2

    Verify your identity
    During account setup, we’ll assist with the registration of your identity and fingerprints, ensuring a secure process.

  • 3

    Start banking
    Congratulations! Your account is active. Begin your seamless banking experience with FINCA.

Start your application

Applying is a straightforward and convenient process.


Frequently Asked Questions

In case of a lost card, provide a certificate of loss accompanied by an official document with your full name, such as a diploma or school certificate.

You pay nothing! Your money works for you with an annual remuneration, and there are no withdrawal fees.

Absolutely! Use the *1122# code to access your account menu without needing an internet connection.

We are always happy to talk!

Request a callback.