Lend me. Or lend a hand.

Borrow from KES 300 for 10, 20 or 30 days. Or lend your spare shillings and earn on every loan. Your phone number is your account.

M-Pesa phone number Referral code (if a friend gave you one)

Enter the code

We sent a 6-digit code by SMS to . It expires in 5 minutes.

Prove it's you

Three quick steps. We check your ID with the government registry and take a short selfie video. We never store the video.

1

ID document
National ID, Alien ID or passport

2

Selfie check
Turn your head when asked

3

Activation deposit
KES 300, credited to your first loan

Document type Document number

Your money picture

Upload your M-Pesa statement (last 6 months) and answer a few questions. We use this to decide how much you can borrow. Lenders never see your statement.

Get the statement: dial *334# → My account → M-Pesa statement. Safaricom emails a PDF and texts you the password.

Statement file Statement password (from the SMS)

Karibu

Available—

Lent out—

Reserved in offers—

Withdrawing—

Your loans

Nothing yet.

Refer a friend, earn KES 100

Paid when they qualify and repay three loans on time. Comes off your next loan.

Niazime

Your limit is KES —

KES1,000

For how long

You receive KES 885. You repay KES 1,000 in 10 days.

Open request

No open request.

Kopesha

Post an offer and we match it to a borrower within 10 minutes, or pick a request yourself. You earn 35% of the interest, paid the moment the loan goes out. Your principal is guaranteed 60 days after a default.

Amount to lend

Lowest borrower grade

Longest term

My offers

None open.

Requests waiting

Fund one directly from your available balance.

No requests right now.

Activity

Nothing yet.