Our products
Five products, one underwriting standard.
Whether you need overnight liquidity or a multi-year facility, our credit policies are built around real Kenyan cash flows — and disclosed in full before you sign.
Product
Logbook Loans
Credit secured against your vehicle. You keep driving, we hold the logbook.
From
3% – 8% / month
Max
KSh 3,000,000
Tenure
Up to 24 months
Processing
5% (one-off)
Eligibility
- Kenyan citizen, 21+
- Vehicle registered in your name
- Vehicle aged 12 years or less
- Stable monthly income (employed or self-employed)
What you'll need
- National ID
- KRA PIN
- Original logbook
- Comprehensive insurance cover
- 3 months' bank or M-Pesa statements
Repayment example
Principal
KSh 500,000
Tenure
12 months
Per month
KSh 49,160
Total payable
KSh 589,920
Featured product
Product
Emergency Loans
When the bill won't wait. Same-day credit, straight to M-Pesa.
From
5% – 20% / month
Max
KSh 100,000
Tenure
1 – 6 months
Processing
5% (one-off)
Eligibility
- Kenyan citizen, 21+
- Active M-Pesa account (12+ months)
- Recurring income deposit
- Clean recent CRB record
What you'll need
- National ID
- Active mobile number
- M-Pesa statement (last 3 months)
Repayment example
Principal
KSh 45,000
Tenure
3 months
Per month
KSh 17,250
Total payable
KSh 51,750
Product
Virtual Asset Loans
Borrow against your verified BTC, ETH or USDT — without selling your position.
From
3% – 7% / month
Max
KSh 2,000,000
Tenure
Up to 12 months
Processing
2% (one-off)
Eligibility
- Kenyan resident, 21+
- Verified self-custody or exchange wallet
- Loan-to-value capped at 50%
What you'll need
- National ID
- Wallet attestation (proof of holdings)
- KRA PIN
Repayment example
Principal
KSh 300,000
Tenure
6 months
Per month
KSh 56,500
Total payable
KSh 339,000
Product
Phone Purchase Loans
Walk out with the phone today. Spread the cost over your next paychecks.
From
3% – 7% / month
Max
KSh 250,000
Tenure
Up to 12 months
Processing
5% (one-off)
Eligibility
- Employed Kenyan, 21+
- Minimum 30% deposit
- Proof of monthly income
What you'll need
- National ID
- Latest payslip
- Phone proforma invoice from approved dealer
Repayment example
Principal
KSh 60,000
Tenure
6 months
Per month
KSh 10,950
Total payable
KSh 65,700
Product
Check-off Loans
Salary-anchored credit for employees of partner organisations — repayments deducted directly at source.
From
3% – 8% / month
Max
KSh 2,000,000
Tenure
Up to 36 months
Processing
5% (one-off)
Eligibility
- Employed Kenyan, 21+
- Employer on our check-off partnership list
- Minimum 6 months in current employment
- Net salary supports the deduction
What you'll need
- National ID
- KRA PIN
- Latest 3 payslips
- Signed employer check-off authorisation
Repayment example
Principal
KSh 400,000
Tenure
24 months
Per month
KSh 22,650
Total payable
KSh 543,600