Eligibility
You must be at least 18 years old, a resident of Kenya, and hold a valid national ID and an M-Pesa registered phone number.
Loan terms
The loan amount, interest rate, repayment term and total repayable amount are shown before you submit your application. Approval is at our discretion and is not guaranteed.
Fees
Any application or processing fee is shown before you pay it. Fees are paid by M-Pesa and are stated in full on the application page.
Repayment
You agree to repay the total amount shown on or before the due date. Late repayment may attract additional charges and be reported to credit reference bureaus as the law allows.
Accurate information
You confirm that the information you provide is true. False information may lead to rejection of your application.
Changes
We may update these terms. Continued use of the service means you accept the latest version.