Common loan questions, short answers.
Quick clarification of the things borrowers ask most. For anything else, request a callback or WhatsApp the team.
Applying
How fast can I get feedback?
Most complete applications get a written decision within 48 working hours. Asset finance and large business loans take a few days longer for valuation and verification.
Do I need security?
Depends on product. Non-checkoff and digital loans are usually unsecured. Asset finance is secured by the financed asset. Larger business loans may need collateral.
Can I apply before my documents are ready?
Yes — start the application and you'll receive a checklist of what's still missing.
Repayment
How is repayment collected?
By M-Pesa standing order, salary checkoff or bank standing order — your choice during acceptance.
Are calculator results final?
No — they're indicative. Final terms are based on full assessment and product structure.
What happens if I struggle to repay?
Contact us early. We can usually restructure the schedule before the situation escalates.
Cost & fees
Are there hidden fees?
No. Total cost — interest, processing fees, taxes — is disclosed in writing before acceptance.
Can I repay early?
Yes, with no penalty. Early settlement reduces total interest paid.
Still have questions?
Contact the team for guidance on product fit, documents and repayment expectations.