We’re here to support you! This section provides answers to the most common questions.

Any Kenyan citizen aged 18 or older with a valid national ID and a registered M-Pesa number.

You will need:

• A national ID
• An active phone number
• An M-Pesa number registered in your name

Applications are reviewed within 1–3 minutes. Funds are sent immediately after the contract is signed — directly to your M-Pesa account.

No. All fees and interest are shown before signing the agreement. We operate transparently.

Repayments can be made via M-Pesa or through your personal account. We’ll send you a reminder before the due date.

Yes. You can repay in full ahead of time with no extra fees — this will improve your credit history.

A penalty will be applied. We may also report to the CRB, which can affect your credit rating.

Take a small loan and repay it on time — we’ll report your positive repayment to licensed CRBs.

Any officially registered company in Kenya (PVT, LTD, NGO, Sole Proprietor). Applications must be submitted by an authorized representative.

For companies (PVT, LTD):

• Certificate of Incorporation
• Company KRA PIN
• ID of the director or authorized representative
• 3-month bank statement
• Business contact details

From KES 30,000 to KES 500,000, depending on your financial history and documents submitted.

From 1 to 12 months. Payments are fixed monthly installments (annuity).

A fixed rate of 3.5% to 6.0% per month. The exact rate depends on your company’s risk assessment.

To your corporate M-Pesa or bank account provided in your company profile.

Yes. Early repayment has no penalties. It improves your company’s credit standing and future loan terms.

Penalties will apply, and CRB reporting is possible. We re open to restructuring — contact us early.

No collateral is needed for loans up to KES 500,000. A guarantor may be required for larger amounts.