Five focused loan families. Transparent requirements. Decisions you can act on this week — backed by responsible lending and a real support team.
Five focused product hubs — built around real borrower scenarios, not generic marketing copy.
Flexible credit for salaried, self-employed and repeat borrowers who want practical personal financing outside checkoff arrangements.
Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking value.
Practical SME finance for stock, contracts, invoices, working capital and expansion needs across small and growing businesses.
Asset-backed finance for vehicles, equipment, machinery and commercial assets that help borrowers earn, operate and grow.
Structured employee lending for approved employers, recovered directly through payroll checkoff with predictable instalments.
Routing layer for borrowers who think in needs, not product names.
Every page is designed around transparency: quick facts, eligibility, documents, repayment expectations and clear next steps.
Apply online, talk to a loan officer, message us on WhatsApp or visit the office in Nairobi — every channel reaches the same review team.
The same four steps for every loan family — clear, document-led, transparent.
Pick the loan family that fits your need and confirm the quick-facts strip.
Use the requirements list — ID, KRA PIN, income proof and product-specific documents.
Submit online, request a callback, message on WhatsApp or visit the office.
Receive affordability review, written terms, and disbursement to M-Pesa or bank.
STEMTIDE CREDIT runs on disciplined affordability checks, written disclosures and a clear support path — the basics every Kenyan borrower deserves.
Apply, track and repay loans from your phone. Push notifications keep you on top of due dates, statements and offers.
Works on any Safaricom or Airtel feature phone. Charges apply at standard USSD rates.
Names changed for privacy. Outcomes typical of borrowers who arrive with complete documents and a clear repayment plan.
The working-capital loan landed when I needed it most. Requirements were clear up front — no surprises.
I used the landlord loan to renovate two units. Getting credit assessed against rental income made all the difference.
Checkoff repayment fits my salary cycle. The application took an afternoon, the approval came back the same week.
Short answers for the most common borrower questions. For anything else, request a callback or message us on WhatsApp.
Browse all FAQsMost complete applications get a written decision within 48 working hours. Larger or asset-secured loans take a few days longer for valuation and verification.
Most non-checkoff and digital loans don’t require a guarantor. Asset finance and large business loans may require a co-signer or collateral.
Yes — top-ups are available once at least 30% of the original loan is repaid and your payment record is clean.
By M-Pesa standing order, salary checkoff or bank standing order, depending on the product. You choose the method that fits your income cadence.
Yes. Early repayment is allowed at any time and reduces total interest. There are no early-settlement penalties.
Apply now, request a callback, or estimate repayment with our calculator.
