QuickLoans is a mobile lending platform built at DMARK Mobile that offers short-term loans disbursed directly to mobile money accounts. It builds a credit score from a user's mobile money transaction history, makes an instant eligibility decision, and handles the full loan lifecycle — application, disbursement, repayment tracking, and automated collection.

Proprietary system — no public repository.

Credit Scoring from Mobile Money History

Traditional credit scoring requires a bank account history that most Ugandans don't have. QuickLoans uses mobile money transaction history instead — frequency of deposits and withdrawals, average account balance over time, repayment behaviour on previous loans, and activity patterns.

This data is available for any active mobile money user, which significantly widens the addressable market beyond people with formal banking relationships. The scoring model produces a risk tier that determines loan eligibility, maximum loan amount, and interest rate.

Instant Disbursement

Once approved, loans are disbursed immediately via DmarkPay to the applicant's mobile money wallet — MTN or Airtel depending on their number. The applicant requests a loan and receives the funds within the same session, with no manual approval step for standard loan amounts within their credit tier.

Automated Collections

Loan repayment is scheduled and automated. On a due date, the system attempts to collect the repayment from the borrower's mobile money account via a debit instruction through DmarkPay. If the first attempt fails — insufficient balance — the system retries according to a schedule and escalates overdue accounts for manual follow-up.

This removes the operational burden of manual collection calls for the majority of loans that repay normally, and surfaces only genuinely problematic accounts for human attention.

Loan Portfolio Reporting

Administrators have a full view of the loan portfolio: disbursed amounts, repayment rates, overdue accounts by age, and collection success rates. This reporting feeds back into the credit scoring model — underperforming risk tiers can be tightened, successful tiers can be expanded.

Built With

Backend: Django, PostgreSQL
Integrations: DmarkPay (MTN Uganda, Airtel Uganda)
Infrastructure: Docker, internal CI/CD