Register and verify once
Create an account with your Ugandan phone number and confirm it with a one-time code. Then complete identity verification using your National ID. You only do this once.
How it works
From hospital bill to final instalment
Every stage happens in the TibaPay app, and you see the full cost before you commit to anything.
Your hospital raises the bill
At a TibaPay partner hospital, the cashier records the bill for your treatment. This is what makes the amount verifiable, so financing pays a real bill rather than an unconfirmed figure.
Request financing
In the app, request financing against that bill and choose how many instalments you would like. Your request is then assessed.
Review the exact terms
If financing is offered, you see the amount, the service fee, the total repayable and every due date. Nothing is charged unless you accept, and the offer is valid for a limited time.
The hospital is paid
Once you accept, TibaPay settles the bill with the hospital directly. Money is not disbursed to you as cash.
Repay by mobile money
Pay each instalment from the app on the dates you agreed. Your balance updates as payments settle, and you can pay earlier than scheduled.
Before you accept
What the offer screen shows you
Nothing about the cost is left to be discovered later. Before you tap accept, the app states:
- The amount being financed
- The service fee that applies
- The total you will repay
- Each instalment amount and its due date
- Who the lender of record is
If any of that does not work for you, decline. Declining costs nothing.
Offer summary
Illustration
- Amount financed
- From your bill
- Service fee
- Stated upfront
- Total repayable
- Stated upfront
- Due dates
- Fixed
- Lender of record
- Kuula Microfinance Company Limited
An illustration of the layout, not an offer of finance.
Good to know
Honest limits
Some things are worth being direct about before you apply.
Approval is not guaranteed
Each application is assessed on its own merits. Some are declined, and some are approved for less than was requested.
Partner hospitals only
Financing needs a bill raised in TibaPay by a partner hospital, so it cannot be used for a bill from a provider outside the network.
Missed payments have consequences
Falling behind may lead to additional costs and can affect future applications. Contact us before a due date if you are struggling.
Start your application
Create an account, verify your identity once, and request financing against your hospital bill.