Own it today.
Pay the rest as you go.
Vula lets you take home solar systems, equipment and household essentials for 50% down — the balance is financed by a licensed lending partner, secured against the goods you bought.
Four steps between browsing and owning it.
One flow, start to finish — no separate loan application to chase down.
Pick your goods
Browse the marketplace — solar kits, appliances and SME equipment from vetted merchants.
Pay 50% down
Pay half the price by mobile money or bank transfer, and take the goods home the same day.
Get financed
Our lending partner runs your credit check and funds the remaining balance, secured against the goods.
Pay it off
Get WhatsApp and SMS reminders, and repay in instalments through EcoCash, OneMoney or your bank.
We bring you a safer loan book — and the software to run it.
Vula originates deposit-qualified customers and hands you a secured, collateral-backed loan. You underwrite, fund, and hold it — we handle everything around it.
Collateral, not cash risk
Every loan is backed by a registered security interest over the financed goods, not an unsecured cash advance.
Loan Book Manager
Invoicing, repayment reminders and payment collection, run on your behalf and reconciled straight into your loan book — usable across your whole portfolio, not just Vula loans.
You stay in control
You set the underwriting criteria, run your own credit check, and hold the loan on your books throughout.
Solar systems, financed for a country that needs them.
Load-shedding makes home energy a necessity, not a luxury. A financed solar system starts cutting your running costs from day one — which is part of what makes it repayable.
deposit, then own your system today
typical repayment terms
asset that pays you back in lower bills
Built on registered collateral, not collections calls.
Registered security
Every financed purchase is registered under Zimbabwe's Movable Property Security Interests Act, giving your lending partner real recourse — not just a promise to pay.
Licensed partners only
We work exclusively with registered banks and microfinance institutions. Vula never holds, lends, or intermediates loan funds itself.
Built for how you actually pay
Deposits and repayments run through EcoCash, OneMoney, InnBucks and bank transfer — no new wallet to set up.