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STEMTIDE Credit Limited Apply Now
Modern Kenyan lending

Clear, practical credit for personal, property, business and employee needs.

Five focused loan families. Transparent requirements. Decisions you can act on this week — backed by responsible lending and a real support team.

Apply Now Explore Loans
Transparent requirements Flexible repayment Support-led review
5Loan families covering most borrower needs
KES 5MMaximum loan size across business products
48 hrsTypical turnaround on complete applications
100%Written disclosure of fees and total cost
Bank-grade KYC Affordability assessment M-Pesa disbursement SMS notifications Encrypted document upload Audit-logged servicing
Loan families

Choose the loan that matches your situation.

Five focused product hubs — built around real borrower scenarios, not generic marketing copy.

Kenyan shilling notes fanned out
01
Need employer-backed financing

Employee Checkoff Loans

Structured employee lending for approved employers, recovered directly through payroll checkoff with predictable instalments.

  • Salary Checkoff
  • School Fees
  • Emergency Checkoff
  • Government Employee
  • Private Employer
Apply on the borrower portal →
Coins and a seedling growing from a savings jar
02
Need quick personal finance

Non-Checkoff Loans

Flexible credit for salaried, self-employed and repeat borrowers who want practical personal financing outside checkoff arrangements.

  • Personal Loan
  • Emergency Loan
  • Short-Term Loan
  • Salary Advance
  • Top-Up Loan
Apply on the borrower portal →
A market trader at her fruit and vegetable stall
03
Need business growth capital

Business Loans

Practical SME finance for stock, contracts, invoices, working capital and expansion needs across small and growing businesses.

  • Working Capital
  • SME Term Loan
  • Stock Finance
  • Contract / LPO
  • Invoice Discounting
Explore Business Loans →
A customer collecting her car after a logbook loan
04
Need to buy an asset

Asset Finance

Asset-backed finance for vehicles, equipment, machinery and commercial assets that help borrowers earn, operate and grow.

  • Vehicle Finance
  • Logbook Loan
  • Equipment Finance
  • Machinery Finance
  • Commercial Asset
Explore Asset Finance →
A modern rental property
05
Need funding for rental property

Landlord Loans

Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking value.

  • Rental Income Loan
  • Property Improvement Loan
  • Vacancy Support Loan
  • Landlord Expansion
Explore Landlord Loans →
Borrow by need

Start from the reason you need credit.

Routing layer for borrowers who think in needs, not product names.

Employer-backed financingEmployee Checkoff Need quick personal financeNon-Checkoff Loans Business growth capitalBusiness Loans Buying a productive assetAsset Finance Funding for rental propertyLandlord Loans
Why STEMTIDE CREDIT

Serious enough for major borrowing, simple enough to act today.

Every page is designed around transparency: quick facts, eligibility, documents, repayment expectations and clear next steps.

Compare loan families About STEMTIDE →
Fast decisioningDocuments complete by Monday — review & decision typically by mid-week.
Transparent pricingFees, interest and total cost shown in writing before you sign.
Flexible repaymentSchedules built around income cadence — salary, rent, business cash flow.
Support-led servicePhone, WhatsApp, email and office — every channel reaches the same team.
How to apply

Pick the channel that suits you.

Apply online, talk to a loan officer, message us on WhatsApp or visit the Mombasa office — every channel reaches the same review team.

Apply onlineStart a guided application and upload documents from any device. Request callbackLeave a number — a loan officer will call within working hours. WhatsApp usSend documents, ask product questions and confirm requirements. Visit the officeWalk in for a face-to-face review at our Moi Avenue, Mombasa office.
How it works

From product choice to disbursement.

The same four steps for every loan family — clear, document-led, transparent.

Choose product

Pick the loan family that fits your need and confirm the quick-facts strip.

Prepare documents

Use the requirements list — ID, KRA PIN, income proof and product-specific documents.

Apply

Submit online, request a callback, message on WhatsApp or visit the office.

Review & disburse

Receive affordability review, written terms, and disbursement to M-Pesa or bank.

Trust & compliance

Built around fair, transparent credit.

STEMTIDE Credit Limited runs on disciplined affordability checks, written disclosures and a clear support path — the basics every Kenyan borrower deserves.

Responsible lendingWe assess affordability before approval and never lend beyond a borrower’s reasonable repayment capacity.
Privacy-firstYour personal data is collected only for application review, communication, servicing and compliance — never resold.
Transparent feesAll fees, interest, penalties and total cost of credit are disclosed in writing before acceptance.
Fair complaintsEvery complaint is logged, acknowledged and resolved with a documented response and clear escalation path.
Mobile app

STEMTIDE on your phone.

Apply, track and repay loans from your phone on Android or iOS. Push notifications keep you on top of due dates, statements and offers.

Get it on Google Play Download on the App Store Works today · USSD *835*24#
No smartphone? No problem.

Borrow over USSD in four steps.

Works on any Safaricom or Airtel feature phone. Charges apply at standard USSD rates.

*835*24#
1Dial *835*24# from your registered number.
2Choose the loan family that matches your need.
3Confirm amount, repayment period and acceptance.
4Receive the funds and your repayment schedule by SMS.
Why STEMTIDE

Unlock unlimited possibilities.

Tailor-made financial solutions to finance your biashara, projects, family needs, agri-business and day-to-day expenses.

Decisions in under 6 hoursApplications that arrive complete are reviewed and answered the same working day — not the same week.
Licensed by the Central Bank of KenyaSTEMTIDE Credit Limited operates under CBK licensing, with written disclosures on every facility.
Tailor-made, not off-the-shelfSalary advance, logbook, biashara and landlord rent advance are priced and structured to the borrower, not to a template.
Apply from any phoneUSSD *835*24# works on a feature phone. The Android and iOS apps add statements, documents and push updates.
Common questions

Five quick answers before you apply.

Short answers for the most common borrower questions. For anything else, request a callback or message us on WhatsApp.

Browse all FAQs
How fast can I get feedback?

Most complete applications get a written decision within 48 working hours. Larger or asset-secured loans take a few days longer for valuation and verification.

Do I need a guarantor?

Most non-checkoff and digital loans don’t require a guarantor. Asset finance and large business loans may require a co-signer or collateral.

Can I top up an existing loan?

Yes — top-ups are available once at least 30% of the original loan is repaid and your payment record is clean.

How is repayment collected?

By M-Pesa standing order, salary checkoff or bank standing order, depending on the product. You choose the method that fits your income cadence.

Are early repayments allowed?

Yes. Early repayment is allowed at any time and reduces total interest. There are no early-settlement penalties.

Next step

Talk to a loan officer or start online.

Apply now, request a callback, or estimate repayment with our calculator.

Apply Now Request Callback