A regulated lending process, designed to feel effortless.
No paper forms. No branch visits. No surprises. Here is exactly what happens from the moment you tap apply, to the moment you repay.
Apply online — 6 minutes
Tell us who you are, what you do for work, and what you need. Our application uses progressive verification, so you only enter what's relevant to the product you've chosen.
- Choose product and amount
- Enter ID and employment details
- Upload required documents
We verify, in real time
We run your ID against IPRS, request a CRB report, and assess affordability based on your declared and observed cash flows. Most decisions are returned within minutes.
- IPRS identity check
- CRB enquiry
- Affordability scoring
Offer, sign, disburse
If approved, you'll see a clear offer — interest, fees, total payable, repayment schedule. Sign digitally, and funds are sent to your M-Pesa wallet immediately.
- Transparent offer letter
- Digital signature
- M-Pesa disbursement
Repay your way
Repay via NCBA Bank Paybill 880100 (account: 448181), via Safaricom Lipa na M-Pesa Paybill 4188425 (account: your National ID number), via M-Pesa STK push from our portal, or via standing instruction from your bank. Early repayment is always free.
- NCBA Bank Paybill 880100 — Account 448181
- Safaricom Lipa na M-Pesa Paybill 4188425 — Account: National ID Number
- STK push from portal
- No early repayment penalty