How it works
From application to M-PESA in a few simple steps.
- 1
Complete your application
Fill in the secure online form with your details, the loan you want, three collateral items and two guarantors.
- 2
We verify your details
Our team checks your information and photos, and runs a responsible-lending assessment.
- 3
Receive a decision
Most applicants hear back within minutes to a few hours. You see the full terms before you accept.
- 4
Get your money or item
Cash is sent to your M-PESA. Appliances are released once your deposit is received.
- 5
Repay flexibly
Pay through M-PESA on a schedule that fits within the product limits. We send reminders before each due date.
- 6
Build your record
On-time repayments strengthen your standing with us and help you qualify for more later.
Who can apply
You need to meet these criteria.
Kenyan National ID
Aged 18 or over with a valid National ID.
Phone number in your name
An active line registered to you.
Active M-PESA
An M-PESA account registered to you.
Income or a business
A reliable source of income to support repayment.
Two guarantors
People with valid National IDs who can vouch for you.
Credit assessment
You must pass our responsible-lending assessment and accept our terms and privacy policy.