1. Acceptance
By accessing the EasyWays platform or applying for any credit product, you agree to be bound by these terms. If you do not agree, please do not use our services.
Legal
Terms & Conditions
Effective from 1 January 2026. These terms govern your use of EasyWays Credit services.
2. Eligibility
You must be at least 21 years old, a Kenyan citizen or legal resident, with a verifiable source of income and an active M-Pesa account in your name.
3. Loan products
All credit products are offered subject to credit assessment, regulatory limits and product-specific eligibility. We reserve the right to decline any application without obligation to disclose reasons beyond those required by law.
4. Pricing
Interest, fees and total cost of credit are disclosed in your offer letter before drawdown. All charges are levied in line with our published rate card and within the limits set by the Central Bank of Kenya.
5. Repayment
You agree to repay all amounts due on the dates specified in your repayment schedule. Late payment attracts interest at the rate disclosed in your offer letter, subject to CBK caps on total cost of credit.
6. Default
If you default on a payment, we may report the default to credit reference bureaus, instruct recovery agents bound by the CBK Consumer Protection Guidelines, and where applicable enforce security taken over your assets.
7. Communications
You consent to receive service communications (SMS, email, WhatsApp, phone calls) about your account. You may opt out of marketing communications at any time.
8. Disputes
Any dispute will first be addressed through our internal complaints process. Unresolved matters will be referred to mediation, and if necessary, the Kenyan courts.
9. Governing law
These terms are governed by the laws of the Republic of Kenya.
10. Changes
We may update these terms from time to time. The latest version will always be available at this page, and material changes will be notified to you in advance.