Questions?
Answered plainly.

Everyone: a national ID copy, KRA PIN certificate, passport-size photo and 6 months of M-Pesa/bank statements. Employed applicants also bring 3 months of payslips and an appointment letter. Chama groups bring their registration certificate, the last 3 consecutive minutes, officials' details (chairperson, treasurer and secretary act as guarantors), member savings records and a commitment letter from the officials.

Applications are reviewed and decided within 2-5 business days. Once approved, disbursement to M-Pesa or your bank account is immediate.

It isn't - our rate is fixed at 18% per month, flat, on the original loan amount, for every client and every product. You'll see the full repayment schedule before you sign, so there are no surprises.

Yes - with your consent, we run a credit reference bureau check as part of a fair, automated risk assessment. A past listing does not automatically disqualify you; we look at your full current picture.

Not always. Smaller loans are unsecured. Larger loans may be secured by the asset being financed, stock, guarantors, or - for Chama Group loans - the collective guarantee of your group.

Yes. You can make partial or full early repayments at any time through M-Pesa or in our office - there are no early-settlement penalties. Note that flat-rate interest is agreed upfront, so early repayment does not change the total due.

We will reach out by SMS and phone first - life happens. If you talk to us early, we can restructure your schedule. Persistent arrears attract late fees and may affect your future borrowing limit and CRB record.

Applications must be made by the borrower, but groups can apply together under our Chama Group Loan. You can also begin an application online and finish it in person at our office with help from our staff.