Aspire Lending Knowledge Centre

The amount you can borrow depends on factors such as your income, affordability, credit history and the product you choose. We assess each application individually, so there is no single fixed limit that applies to everyone. Approved applicants receive a personalised offer showing the exact amount available to them.

Yes, you can apply online from your phone or computer in a few simple steps, without visiting a branch. You will share some basic details and upload the required documents securely. Once submitted, your application moves into assessment and you can follow its progress online.

You start by completing a short online form, uploading your documents and confirming your details. We then review your application, run the necessary checks and assess affordability. Approved applicants receive a personalised offer to review and accept before funds are disbursed, subject to assessment.

Timelines vary depending on the product, how quickly you submit complete documents and the checks required for your application. Once everything is received, we work to assess and respond as quickly as we reasonably can. We cannot guarantee a specific timeline, but you can follow your progress online at any time.

Our pricing starts at 4% per month, and the exact cost of your loan depends on the product, amount and term you choose. There are no hidden charges, so anything applicable will be shown clearly upfront. Your exact repayment structure is always confirmed in your personalised offer before you accept.

Yes, our online calculators help you get a general idea of possible repayments before you apply. These figures are indicative and for planning purposes only. Your actual repayments are confirmed in your personalised offer, subject to assessment.

Aspire uses a fixed flat rate of 4% per month. Interest is calculated on the original amount you borrow and stays the same every month for the whole term, rather than falling as the balance comes down. A loan of KES 500,000 over 24 months therefore carries interest of 500,000 × 4% × 24. Your instalment is identical every month, and the exact figures appear in your loan offer before you sign.

No, there are no hidden charges with Aspire. Any applicable fees or costs are disclosed clearly and shown in your personalised offer before you accept. We believe you should always know exactly what you are agreeing to.

For many of our products, approved applicants can receive funds conveniently, and M-Pesa is a widely used option in Kenya alongside bank transfer. The available disbursement method may depend on the product and amount. Your options are confirmed in your personalised offer.

Requirements vary by product, and some options may rely on your bank account while others can work with M-Pesa records. We use this information to verify income and assess affordability. We will let you know exactly what is needed for the product you choose.

You may be able to refinance existing borrowing with us, which can help consolidate or reorganise your repayments. This is subject to assessment of your circumstances and affordability. Any refinance arrangement is confirmed in a personalised offer before you proceed.

In general, eligibility depends on your age, income or business activity, affordability and credit history. Different products have slightly different requirements, so meeting the basics does not automatically mean approval. Every application is considered individually, subject to assessment.

You must be at least 18 years old and of legal contracting age in Kenya to apply. You will need a valid National ID to confirm your identity and age. Meeting the age requirement is one part of eligibility, which is assessed overall.

Yes, not having a payslip does not automatically rule you out, as we can consider other evidence of income such as M-Pesa or bank statements. This is especially relevant for self-employed and business applicants. What matters is that we can reasonably assess affordability, subject to assessment.

Applicants who are not Kenyan citizens may be considered where they hold valid identification and documentation and meet our other requirements. Additional documents may be requested to verify identity and residency. Eligibility for non-citizens is always subject to assessment.

Not all products require guarantors, and requirements depend on the loan type, amount and your profile. Where a guarantor is needed, we will explain this clearly during your application. Any such requirement is confirmed as part of your personalised offer.

CRB stands for Credit Reference Bureau, which collects and shares credit information about borrowers in Kenya. Lenders use CRB data to understand your credit history and repayment behaviour. It is a normal part of responsible lending across the industry.

Yes, as a responsible lender we may check your credit information with a Credit Reference Bureau as part of our assessment. This helps us lend responsibly and offer terms suited to your circumstances. Any checks are carried out in line with applicable laws and your consent.

Being listed or having a lower score does not automatically mean you cannot borrow, as we assess your overall situation. We look at more than a single number, so it is still worth applying and speaking to us honestly about your circumstances. Any decision is subject to assessment, and we never guarantee approval.

No, formal employment is not the only path, as self-employed and business owners can also apply with suitable evidence of income. What we need is a reasonable way to assess your ability to repay. Eligibility is considered individually and is subject to assessment.

Requirements vary by product, and rather than a single figure we focus on whether repayments are affordable for you. We assess your income against your obligations to lend responsibly. What you may qualify for is confirmed in a personalised offer, subject to assessment.

Our products are designed for the Kenyan market, so you will generally need to be resident and able to provide valid Kenyan documentation. Non-citizens who meet our requirements may still be considered. Eligibility is always subject to assessment.

No, a low score is one factor among many and does not automatically mean rejection. We look at your wider circumstances, income and affordability before deciding. As with every application, the outcome is subject to assessment and we never guarantee approval.

Yes, if you are looking to acquire tools, machinery or business equipment, our equipment finance may be suitable. We will consider your business records and affordability as part of the assessment. Approved applicants receive a personalised offer with the terms.

Yes, a valid Kenyan National ID is required to confirm your identity and age. Non-citizens may provide an alternative valid identification document. Your ID is handled securely and used only for legitimate assessment and compliance purposes.

Yes, a KRA PIN is typically required as part of your application and for compliance purposes in Kenya. It helps confirm your identity and tax registration. We will let you know if any additional documents are needed alongside it.

You can prove income in different ways depending on your situation, such as payslips for salaried applicants or bank and M-Pesa statements for the self-employed. The aim is to give us a clear picture so we can assess affordability. We will confirm which evidence works best for your chosen product.

Bank statements help us verify your income and understand your regular commitments so we can assess affordability responsibly. They give a fuller picture of your financial situation than a single document. Your statements are handled securely and used only for your assessment.

Yes, M-Pesa statements are widely accepted evidence of income and cash flow, especially for self-employed and business applicants. They help us assess affordability where a payslip may not apply. We will confirm what is needed for your chosen product, subject to assessment.

You can upload your documents securely online as part of your application, straight from your phone or computer. Clear, legible copies help us process your application smoothly. If anything is unclear, our team can guide you through it.

If something is missing or unclear, we will let you know what is needed so you can provide it. Complete documents help us assess your application more smoothly, though they do not guarantee approval. You can track your progress online while we review.

No, payslips are mainly relevant for salaried applicants, and self-employed or business applicants can use alternatives like bank or M-Pesa statements. The goal is to give us reliable evidence of income. We will confirm the right documents for your situation.

Yes, we generally ask for recent documents, such as statements from the latest few months, so your assessment reflects your current situation. Up-to-date records help us lend responsibly. We will specify the required periods during your application.

Yes, self-employed Kenyans may qualify, as we can consider income evidence such as M-Pesa statements or bank records during assessment. What we need depends on your individual circumstances. Check our eligibility page and apply to see your personalised offer.

We primarily support businesses with some trading history, as this helps us assess real cash flow, but younger businesses may still qualify subject to assessment. If your business is very new, showing consistent M-Pesa and bank activity strengthens your application. Speak to our team to understand what may work for your situation.

Loan amounts vary based on your business turnover, repayment ability and the documents you provide, so there is no single fixed figure. After we assess your application, approved applicants receive a personalised offer showing the amount and terms available to them. You can use our calculators to explore different scenarios before applying.

We explain the full cost of your loan clearly in your offer so you always know what you will repay. The specific structure that applies to you is confirmed in your personalised offer rather than stated in general terms here. Our team is happy to walk you through your repayment schedule before you accept.

We look at how money actually flows through your business, mainly through your bank statements, M-Pesa records, invoices and other proof of trading. This helps us understand your turnover and repayment capacity fairly, even if your record-keeping is informal. Everything is reviewed subject to assessment before any offer is made.

A CR12 is an official record from the Registrar of Companies showing your company directors and shareholders. For limited companies, it helps us confirm ownership and who is authorised to borrow on the company's behalf. Sole proprietors and partnerships are usually asked for different registration documents instead.

A valid KRA PIN is normally required as part of verifying your business, and it helps us build an accurate picture of your operations. Depending on the loan, we may also review KRA-related records alongside your statements. Our team will let you know exactly what applies to your application.

Registration requirements depend on the type of loan and your business structure, so it is best to check with us directly. Many small traders operate informally, and we assess each application on its own merits subject to assessment. Reach out and we will guide you on what may be possible.

Your M-Pesa records show us the real rhythm of your business, including sales, payments and how consistently money moves in and out. This is especially helpful for traders who receive most payments through mobile money rather than a bank. We treat this information confidentially and use it only to assess your application.

No lender can guarantee approval, and every application is reviewed subject to assessment of your business and repayment capacity. What we promise is a fair review and a clear personalised offer if you qualify. Submitting accurate, complete information gives you the best chance.

No, we believe in transparency and there are no hidden charges. Every cost that applies to your loan is set out clearly in your personalised offer so you can decide with full information. If anything is unclear, our team will explain it before you accept.

Yes, many of our customers return for further funding as their businesses grow, and a good repayment record generally strengthens future applications. Each new request is still reviewed subject to assessment at the time. Get in touch when you are ready and we will look at what is available.

Yes, for limited companies and partnerships we usually assess the business as a whole and may ask directors or partners to be part of the application. The CR12 or partnership documents help us confirm who is authorised. Our team will explain what each owner needs to provide.

Yes, Aspire Lending Ltd is a Digital Credit Provider licensed by the Central Bank of Kenya. This means we operate under CBK rules designed to protect borrowers, including clear disclosure of costs. You can always reach our team if you have questions about how we work.

Asset and equipment finance helps your business acquire the machinery, vehicles or equipment it needs to grow, without paying the full cost upfront. You spread the cost over time while putting the asset to work. Approved applicants receive a personalised offer with the terms that apply to them.

We can support a wide range of business assets, including machinery, medical equipment, construction plant, ICT and office equipment, and commercial vehicles. If the asset helps your business generate income, it is worth discussing with us. Suitability and terms are confirmed subject to assessment.

Yes, medical equipment such as diagnostic machines, dental units and lab equipment can often be financed to help clinics and practices expand their services. We assess the equipment, its cost and your business income before making an offer. Speak to our team about your specific requirements.

Yes, construction and heavy equipment such as excavators, mixers and generators are commonly financed to help contractors take on bigger jobs. We look at the asset, supplier quotations and your repayment capacity during assessment. Approved applicants receive a personalised offer tailored to the equipment.

Yes, ICT assets such as computers, servers, point-of-sale systems and office equipment can be financed to help your business modernise and stay competitive. We assess the equipment cost alongside your business income and repayment ability. Our team can advise on what may suit your needs.

Both new and quality used assets can often be financed, though used items may require additional checks such as valuation and condition assessment. This helps us confirm the asset holds enough value over the term. Share the details with us and we will advise subject to assessment.

Many asset finance arrangements ask for an initial contribution from you, with the exact amount depending on the asset, its condition and your business profile. Your personalised offer will show clearly what deposit applies. Our team can discuss options to help you plan.

Ownership and security arrangements depend on the structure of your facility, and in asset finance the asset itself often serves as security until repayment is complete. We explain exactly how this works for your case in your personalised offer. Our team is happy to clarify before you commit.

Yes, financed assets are normally required to be insured for their protection and yours, so that both you and the asset are covered against loss or damage. The specific insurance requirements are confirmed in your personalised offer. Our team can explain acceptable cover before you proceed.

Whether related costs such as duty, shipping and clearing can be included depends on the asset and the structure of your facility, so it is best to confirm with us. We will look at the total cost of getting the equipment ready for use during assessment. Your personalised offer will set out what is covered.

The amount reflects the asset value, your contribution, and your business income and repayment ability, so it varies from one business to another. After assessment, approved applicants receive a personalised offer showing the amount and terms. Our calculators can help you estimate repayments in advance.

Pricing is fixed at 4% per month, with your exact cost depending on the asset, term and your business profile. All charges are set out clearly in your personalised offer, and there are no hidden charges. You can explore scenarios using our calculators before applying.

Typically we ask for supplier quotations or a proforma invoice for the asset, your business registration, KRA PIN, and recent bank and M-Pesa statements. Limited companies are usually asked for a CR12, and used assets may need a valuation. Our team will confirm the full list for your application.

Repayment terms are usually matched to the useful life of the asset and your cash flow, so a longer-lasting machine may allow a longer term. The exact schedule is confirmed in your personalised offer subject to assessment. Our team will help you choose a term you can comfortably manage.

Newer businesses may qualify for asset finance, though we generally look for evidence of income to support repayments, and your contribution can strengthen the application. Because the asset often serves as security, this can help younger businesses access funding. Every application is reviewed subject to assessment.

Many businesses come back to finance additional or upgraded equipment as they grow, and a good repayment record generally supports future applications. Each new request is reviewed on its own merits subject to assessment. Get in touch when you are ready and we will explore the options with you.

A logbook loan lets you borrow against the value of a vehicle you own, using your logbook as security. At Aspire, pricing starts at 4% per month, and you can keep using your vehicle for work or family while you repay. The exact amount and terms are confirmed in a personalised offer after we assess your vehicle and circumstances.

Yes. With an Aspire logbook loan you keep possession of your vehicle and continue driving it as normal, whether for personal use, business, matatu or boda work. We register our interest against the logbook through NTSA, but the car stays with you as long as you keep up with your repayments.

Yes, your vehicle generally needs to have valid comprehensive insurance for the duration of the loan. This protects both you and the vehicle in case of accident, theft or damage. Our team can talk you through the exact requirements when you apply.

It may be possible, depending on how much you still owe and your circumstances. In some cases we can look at refinancing the existing facility so there is a single arrangement rather than two lenders holding an interest. Talk to us and we will assess your situation and confirm the options in a personalised offer.

Yes, imported vehicles can qualify provided they are duly registered in Kenya with NTSA and the logbook is in your name. We will assess the make, model, year and condition to determine the value we can lend against. Bring your import and registration documents when you apply so we can move quickly.

Yes, vehicles registered in a company's name can often be used, subject to the right approvals from the business. We will typically need company documents and a board or director resolution authorising the loan. Get in touch and we will guide you through what is needed.

We use a professional valuation that considers your vehicle's make, model, year of manufacture, mileage, condition and current market demand in Kenya. This helps us determine how much we can responsibly lend against it. The valuation figure feeds directly into your personalised offer.

Yes. Matatus, boda bodas and other vehicles used to earn a living are common with our logbook and vehicle finance customers. Because the vehicle stays with you, you can keep earning while you repay. Pricing is fixed at 4% per month, with your final terms set out in a personalised offer.

Typically you will need your original logbook in your name, a national ID, KRA PIN, proof of income or business, and valid comprehensive insurance. We may also arrange a vehicle valuation and inspection. Our team will confirm the full list for your situation when you apply.

We register our interest against your vehicle with NTSA for the duration of the loan, but you remain the owner and keep driving the vehicle. Once you have fully repaid, our interest is removed and the logbook is fully clear in your name again. There are no hidden charges in this process.

Once your loan is approved and documentation is complete, funds are typically sent to your bank account or M-Pesa. We will confirm the disbursement method with you during the process. We cannot guarantee specific timelines, but we aim to move as quickly as your documents allow.

Vehicle and asset finance helps you acquire or borrow against cars, commercial vehicles and other qualifying assets. It is useful whether you are buying a vehicle or unlocking value from one you already own. Pricing is fixed at 4% per month, with the full terms confirmed in your personalised offer.

Vehicle age is one of several factors we consider, alongside condition, mileage and market value. Older vehicles can still qualify, but the age will affect the valuation and the amount we can lend. Share your vehicle details with us and we will confirm what is possible for you.

In most cases we arrange a valuation and may inspect the vehicle to confirm its condition and details before finalising your loan. This is a normal part of assessing how much we can lend responsibly. Our team will let you know if an inspection is needed for your application.

While the loan is active our interest is registered against the vehicle, so you would need to settle the outstanding balance before transferring ownership. If you are planning to sell, please contact us first and we will explain your settlement options. This keeps everything clear and above board with NTSA.

Refinancing means taking a new loan with Aspire to repay one or more existing loans, so you have a single, better-organised arrangement. Depending on your circumstances, this could make your repayments easier to manage. We set out the exact terms in a personalised offer so you can compare before you decide.

In many cases, yes. Where possible we can settle your existing lender directly as part of the refinance, so the old loan is cleared and you deal only with Aspire going forward. We will confirm how this works for your specific loans in your personalised offer.

Yes. Refinancing can bring several existing loans together into one arrangement with Aspire, which some customers find easier to keep track of. Whether this suits you depends on your circumstances, and we will lay out the details in a personalised offer. This is closely related to debt consolidation.

Yes, digital and mobile loans can often be refinanced into a single Aspire facility. Some customers do this to move away from juggling several short-term app loans. Depending on your circumstances it may make your repayments easier to manage, and we will confirm the terms in a personalised offer.

In many cases, yes. If you have a SACCO loan you would like to reorganise, we can look at refinancing it as part of a single arrangement with Aspire. Whether this is right for you depends on your circumstances, so talk to us and we will prepare a personalised offer.

Yes. If you have a logbook loan elsewhere, we may be able to refinance it so your vehicle finance sits with Aspire on terms suited to you. We would assess the vehicle and your circumstances, and a new valuation may be needed. The final terms are set out in your personalised offer.

Yes, businesses can refinance existing borrowing to reorganise their obligations into a single arrangement. This can help you plan cash flow more predictably, depending on your circumstances. Speak to our team with your business and loan details and we will prepare a personalised offer.

We cannot promise a lower rate, because every situation is different and your terms depend on your circumstances. Refinancing could make your overall repayments easier to manage, but this is not guaranteed. The honest way to find out is to request a personalised offer and compare it against what you currently pay.

Refinancing may help some customers manage their repayments better, but we cannot guarantee savings and outcomes vary depending on your circumstances. The best approach is to look at the full picture, including the term and total cost, in your personalised offer. Our team is happy to walk through it with you so you can decide with clear eyes.

Typically we will need your ID, KRA PIN, details and statements of the loans you want to refinance, and proof of income. If a vehicle is involved, we may also need the logbook and a valuation. Our team will confirm the exact list for your situation when you apply.

It depends on how quickly your documents and any existing lender settlements can be arranged, so we cannot guarantee a specific timeline. We aim to move promptly once we have everything we need. Getting your paperwork ready early is the best way to keep things moving.

Any applicable costs are explained upfront in your personalised offer, with no hidden charges. We believe you should always understand the full picture before you commit. If anything is unclear, our team is happy to talk it through with you.

You can review our general eligibility guidance online or speak to our team about your specific situation. As a CBK-licensed Digital Credit Provider, we assess each application responsibly based on your circumstances and ability to repay. We cannot guarantee approval, but we will always be honest about where you stand.

Yes, our online calculators give you a helpful guide to possible repayments before you apply. They are for estimation only, and your actual terms are confirmed in a personalised offer based on your circumstances. Pricing is fixed at 4% per month, with no hidden charges.

Debt consolidation brings several existing debts together into a single loan with Aspire, so you make one repayment instead of many. For some customers this makes their finances easier to keep on top of. Pricing is fixed at 4% per month, and the full terms are set out in a personalised offer.

It depends on your circumstances. Consolidating can simplify things into one repayment and one due date, which some people find much easier to manage, but it is not automatically better for everyone. The honest way to compare is to look at your personalised offer alongside your current commitments.

It may, depending on the amount, the term and your circumstances, but we cannot guarantee a lower repayment. Spreading the balance over a longer term can reduce monthly amounts while potentially increasing the total paid over time. We will show you the numbers clearly in your personalised offer so you can decide.

For some customers, moving from several repayments to a single one can make monthly budgeting easier, which could help cash flow depending on your circumstances. We cannot promise a specific outcome, as every situation is different. Speak to our team and we will help you weigh it up honestly.

Many types of debt can be considered, including digital and mobile loans, SACCO loans and other personal borrowing. We will review the debts you want to combine and confirm which ones fit into a single arrangement. The details are set out in your personalised offer.

It may be possible to bring different types of borrowing into one arrangement, depending on your circumstances and the security involved. Where a vehicle is part of the mix, we would assess the logbook and value as well. Talk to us and we will confirm what can be combined in a personalised offer.

That is usually the main benefit, yes. Once your debts are consolidated into a single Aspire loan, you make one repayment on one date instead of tracking several lenders. Your exact repayment and term are confirmed in your personalised offer.

It depends on the amount and your circumstances. Some consolidation arrangements are secured, for example against a vehicle logbook, while others may not be. We will explain what applies to your situation and set it out clearly in your personalised offer, with no hidden charges.

Start your application online or contact our team with a list of the debts you would like to combine. We will review your circumstances and prepare a personalised offer showing your single repayment and term. We cannot guarantee approval, but we will be clear with you throughout the process.

You can repay conveniently through several channels, including M-Pesa and bank transfer, and the exact details for your loan appear in your personalised offer and statement. Choose whichever method is easiest for you. If you need help, our team is ready to assist.

Yes, M-Pesa is a convenient and popular way to repay your loan, and your Paybill and account details are provided in your offer and statement. Simply follow the M-Pesa steps to make your payment on or before your due date. Keep the M-Pesa confirmation message as your receipt.

Yes, you can repay by bank transfer using the account details provided in your loan documents. Please include your reference so we can match the payment to your account promptly. Contact us if you need the details resent.

Yes, many customers set up a standing order with their bank so instalments are paid automatically on the due date. This helps you avoid missed payments and stay on track. Contact us and we will provide the details you need to set it up.

Early repayment can reduce the interest that would otherwise build up over the rest of your term, depending on how your loan is structured. The exact structure and any saving are confirmed in your personalised offer and statement. Contact us for your precise settlement figure before paying.

Yes, you can make partial payments whenever you have extra funds, which reduces your outstanding balance faster. Just be sure to still meet each scheduled instalment on time. Your statement will reflect payments as they are received.

If you miss a payment, please contact us as soon as possible so we can help you find a way forward. Late or missed payments may attract charges and can be reported to credit reference bureaus. Acting early gives us the best chance to support you.

Reach out to us straight away, as we would rather help you plan than see you fall further behind. Depending on your situation, options such as restructuring may be available, subject to assessment. The sooner you contact us, the more we can do to help.

We understand paydays and circumstances change, so please contact us to discuss adjusting your due date. Where possible we will try to align it with your salary cycle, subject to assessment. Let us know before your next instalment so we can help in good time.

You can request a statement showing your balance, payments and upcoming instalments by contacting our team. A statement is useful for tracking your progress and planning early repayment. We are happy to provide it whenever you need it.

When you pay by M-Pesa, the confirmation SMS from Safaricom serves as your receipt, and for bank transfers your bank record confirms the payment. If you need a formal receipt or acknowledgement from us, just get in touch. We will confirm that your payment has been applied to your account.

Your due dates are set out clearly in your personalised offer and statement, and are often aligned with your payday. Paying on or before the due date helps you avoid late charges and protects your credit standing. Contact us if you are unsure of your next date.

How repayment works depends on your loan type and any arrangement in place, and this is confirmed in your personalised offer. Some customers repay via M-Pesa or standing order, while certain schemes may involve salary deduction. We will make the method clear before you accept.

To settle in full, contact us or check your statement for your exact payoff figure, as it may differ from simply adding up remaining instalments. Once you pay the confirmed amount, we will close your loan and confirm it is cleared. Paying off early can help you save on remaining interest.

We want to make it easy to become debt-free, so please contact us for your exact settlement figure and any terms that apply. Any charges relevant to your loan are set out transparently, with no hidden charges. Your team can confirm the full amount before you pay.

Our support team is here to help with any repayment questions or difficulties, and the earlier you reach out, the more we can do. You can find our details on the contact page. We will work with you to find a suitable way forward, subject to assessment.

You can settle early by requesting an up-to-date settlement figure and paying it in full through your usual repayment method. Log in or contact us to get the exact amount, since it changes as time passes. Once we receive and confirm the payment, your loan is closed.

An early settlement figure is generally your remaining outstanding principal plus any interest and charges due up to the settlement date, as set out in your agreement. Because it depends on the date you pay, we give you a figure valid for a specific time. The exact terms that apply to you are confirmed in your personalised offer and agreement.

Settling early can reduce the total interest you pay over the life of the loan, since you stop borrowing sooner. It can also free up your monthly budget and support a healthy credit profile. Ask us for a settlement figure so you can see the numbers and decide what's best for you.

You can request a settlement figure by logging into your account or contacting our team, and we'll provide the exact amount and the date it's valid until. This makes sure you pay neither too much nor too little. There's no obligation to proceed once you've seen it.

Any terms relating to early settlement are set out clearly in your loan agreement, and we operate with no hidden charges. The clearest way to know your exact position is to request a settlement figure. We'll always explain it in plain language.

Yes, making a lump-sum payment toward your balance is often possible and can reduce the interest you pay over time. Contact us first so we can apply it correctly and, if you like, recalculate your remaining plan. We'll confirm how it affects your balance and future repayments.

Once your final payment is received and confirmed, we close the loan and you can download a statement showing it as settled. We also update your record with credit reference bureaus in the normal course of reporting. Fully repaying a loan is a positive signal for your credit history.

We'll reach out to understand your situation and discuss ways forward, such as a partial payment or a revised repayment plan. Our aim is to work with you, not against you, and to find something realistic for your circumstances. Any charges are always as set out in your agreement, with no hidden charges.

As a regulated lender, we may report repayment information, including arrears, to licensed credit reference bureaus, as all CBK-licensed providers do. This is why reaching out early matters, because agreeing a plan can help you avoid falling further behind. We'll always try to work with you first.

Yes, paying what you can is genuinely helpful and always better than paying nothing. A partial payment reduces your outstanding balance and shows your commitment while we discuss a plan for the rest. Please contact us so we can note it and agree on next steps together.

Please reach out to our support team as early as possible; there's no judgement here, and we speak with many customers in the same position. We can talk through options like a partial payment, more time, or restructuring your loan. You don't have to figure it out alone.

In many cases yes; restructuring can mean adjusting your repayment plan to better fit what you can afford right now. Whether it's possible depends on your situation, so contact us and we'll review it with you honestly. The goal is a plan you can realistically keep up with.

Any charges that may apply to late payment are set out clearly in your loan agreement, and we operate with no hidden charges. If you're worried about costs building up, that's exactly why contacting us early helps. We'd rather agree a workable plan than see charges add up.

We're sorry to hear that, and please know this is more common than you might think. Get in touch and we'll look at options such as a temporary arrangement, a partial payment plan, or restructuring your loan to ease the pressure. Being open with us early gives us the most room to help.

You can repay using the M-Pesa details shown in your account or on your statement, and payments are matched to your loan automatically. Always keep your confirmation message as proof. If a payment doesn't appear within a reasonable time, contact us with the M-Pesa code and we'll trace it.

Possibly; depending on your circumstances we may be able to adjust your due dates or set up a revised plan. The best step is to contact us before the payment is due so we can discuss what's realistic. We'll always be straight with you about what's achievable.

Repayment history, including arrears reported to credit reference bureaus, can affect future borrowing with us and other lenders. That's another reason to talk to us early so we can help you get back on track. Rebuilding is very possible, and steady repayments over time help your profile recover.

If you feel you haven't been treated fairly, we want to hear about it and put things right. You can raise a complaint through our complaints process and we'll look into it properly. Every customer deserves to be treated with respect and empathy.

An account gives you one secure place to apply, track your application, view your balance, make repayments and download documents like your loan agreement and statements. It also lets us keep your details up to date so any personalised offer reflects your real circumstances. Setting it up takes just a few minutes.

Yes, you create a simple account as part of applying so we can securely receive your details and keep you updated. Nothing is guaranteed at sign-up, and any loan terms are only confirmed in a personalised offer after we review your application. You stay in control and can review everything before you accept.

On the login page, tap "Forgot password" and enter the email or phone number linked to your account. We'll send you a secure reset link or code so you can choose a new password. If you don't receive it, check your spam folder or contact us for help.

Log in and open the "Track application" section to see your current status in real time. We'll also notify you as your application moves through each stage. Please note that submitting an application does not guarantee approval or funding.

Once your loan is active, log in to your account and open the "Documents" area, where your signed agreement is available to download and save as a PDF. Your agreement sets out your exact terms as confirmed in your personalised offer. If you can't find it, our team is happy to help.

In your account, go to "Statements" to view and download a breakdown of your repayments and remaining balance. Statements are updated as payments are received, so you always have an accurate picture. You can download them anytime for your own records.

Log in, open your application and use the "Upload documents" option to add clear photos or PDFs of anything we've requested, such as an ID or proof of income. Make sure the whole document is visible and readable to avoid delays. Your files are stored securely and used only to assess your application.

Go to "Profile" in your account to update details like your email, phone number or address. Keeping these current helps us reach you and ensures any personalised offer is based on accurate information. Some changes may ask you to verify your identity for your security.

You can update your phone number under "Profile", and we may ask you to verify it to keep your account safe. Because repayments and disbursements can be linked to your M-Pesa number, please make sure it's correct. If you're mid-application or repaying a loan, contact us so we can update it smoothly.

Yes. As a CBK-licensed Digital Credit Provider, we handle your information in line with Kenyan data protection law and use it only for legitimate purposes like assessing and managing your loan. You can read exactly how we collect, use and protect your data in our privacy policy. We never sell your personal data.

First try the "Forgot password" option to reset your login securely. If you're still locked out, contact our support team and we'll verify your identity and help you back in. We may take a few extra steps to keep your account protected.

Timelines can vary depending on your application and the checks involved, so we can't promise a specific time or guarantee funding. What we can say is that keeping your details accurate and documents ready helps things move smoothly. You can follow your progress anytime under "Track application".

Yes; if you'd like to close your account, contact us and we'll guide you through it, making sure any active loan is settled first. We'll also explain how your information is handled afterwards, in line with our privacy policy. There's no pressure either way.

Yes, protecting your information is a priority, and we use appropriate technical and organisational safeguards to keep it secure. Your data is handled in line with Kenyan law and our privacy policy. We only collect what we need to serve you responsibly.

We handle your personal data in line with Kenya's Data Protection Act, which sets out how information must be collected, used and safeguarded. This means processing your data lawfully, fairly and only for legitimate purposes you are informed about. Our data protection page explains your rights and our responsibilities in more detail.

We only share your information where necessary and lawful, such as with Credit Reference Bureaus, service providers or where required by regulation. We do not sell your personal data. Our privacy policy explains exactly who we may share with and why.

Yes, Aspire Lending Ltd is a Digital Credit Provider licensed by the Central Bank of Kenya (CBK). This means we operate under regulatory oversight and are held to defined standards. You are always welcome to contact us with any questions about our licensing.

We check credit information with a Credit Reference Bureau to lend responsibly and understand your credit history, which is standard practice in the industry. These checks are carried out lawfully and with your consent. Your information is handled securely throughout the process.

We keep your data only for as long as necessary to serve you and to meet legal, regulatory and legitimate business requirements. Once it is no longer needed, we take steps to securely dispose of it. Our privacy policy sets out our retention approach in more detail.

Under Kenya's Data Protection Act you have rights such as accessing your data, requesting corrections and, in some cases, objecting to certain processing. We are committed to helping you exercise these rights. You can start by contacting us or reviewing our data protection page.

Yes, you can withdraw consent where our processing is based on it, though this may affect our ability to provide certain services or continue an application. Withdrawing consent does not affect processing we are legally required to carry out. Contact us and we will explain what it means for you.

Any verification we carry out is done proportionately and in line with your consent and applicable law. Where employer confirmation is relevant to a product, we will be transparent about it during your application. Your information is always handled with care and confidentiality.

As a responsible lender, we may share credit information, including repayment behaviour, with Credit Reference Bureaus as permitted by law. This is standard across the industry and helps build your credit history over time. Repaying on time can support your future credit profile.

Genuine communication comes through our official channels, and we will never ask you to pay a fee to unlock a loan or to share your full PINs and passwords. If a message seems suspicious, do not act on it and contact us directly to verify. Staying alert helps protect you from fraud.

Yes, our online application is designed with security in mind to help protect the information you share with us. We use appropriate safeguards and handle your data in line with our privacy policy. You can help by keeping your own login details private and using trusted devices.

APR, or Annual Percentage Rate, is a way of expressing the yearly cost of borrowing, often including interest and certain fees, so you can compare offers on a like-for-like basis. It's shown as a percentage over a year rather than per month. Aspire's pricing starts at 4% per month, and your exact terms are always confirmed in a personalised offer.

No. Aspire charges a fixed flat rate of 4% per month on the amount originally advanced, so the interest portion is the same in every instalment rather than falling as the balance reduces. This keeps your monthly figure predictable from the first payment to the last. Everything is confirmed in writing in your loan offer.

Loan settlement simply means paying off what you owe to close the loan, either at the end of the term or earlier through early settlement. A settlement figure tells you the exact amount needed on a given date. Settling in full is a positive step for your credit history.

Lenders generally look at things like your income and expenses, existing debts, repayment history and information from credit reference bureaus. Every lender weighs these differently, and no responsible lender can guarantee approval in advance. At Aspire, any decision and terms are confirmed only in a personalised offer.

Generally, paying bills and loans on time, keeping your borrowing at a manageable level, and avoiding defaults all help your credit profile over time. Checking your credit reference bureau record and correcting any errors can also help. There are no instant fixes, but consistent, responsible habits make a real difference.

Affordability assessment generally means checking whether you can comfortably repay a loan after covering your regular expenses and other debts. Lenders often compare your income to your outgoings to see how much room you realistically have. This protects you from taking on more than you can manage.

There's no single number, but a common general guide is your debt-to-income ratio, which compares your monthly debt repayments to your income; the higher it gets, the more stretched you may be. If repayments leave little for essentials or savings, that's a sign to pause before borrowing more. Borrowing only what you can comfortably repay is the safest approach.

Look beyond the headline rate at the total amount repayable, the repayment schedule, any fees, and the flexibility to repay early. Comparing offers on the same terms, such as the same amount and period, makes it a fairer comparison. A calculator can help you see the full picture before deciding.

Responsible borrowing means taking on credit only for a clear purpose, borrowing an amount you can comfortably repay, and understanding the full cost before you commit. It also means reaching out early if your situation changes. Borrowing this way protects your finances and your credit health.

A credit reference bureau is a licensed organisation that collects information on how people and businesses repay credit, which lenders use when assessing applications. In Kenya, regulated lenders share and check this information as part of responsible lending. Your repayment behaviour, good or poor, is reflected in your bureau record over time.

DTI compares your total monthly debt repayments to your monthly income, usually shown as a percentage. A lower DTI generally suggests you have more comfortable room to take on and repay credit, while a high DTI can signal strain. It's one common way to sense-check whether new borrowing is affordable for you.

Refinancing generally means replacing an existing loan with a new one, sometimes to change the repayment terms or consolidate what you owe. Whether it benefits you depends on the full cost and your circumstances, so it's worth comparing carefully. Any refinance terms are confirmed in a personalised offer.

Lenders in Kenya typically ask for identification and some evidence of income or ability to repay, though exact requirements vary. Having clear, valid documents ready can help your application move more smoothly. We'll tell you what we need, and you can upload it securely through your account.

Not necessarily; the total cost also depends on the loan amount, the repayment period, and any fees, so two loans with the same rate can cost different amounts. That's why it helps to look at the total repayable, not just the rate. A calculator makes these comparisons much clearer.

Yes, when repaid responsibly; consistently paying a loan on time is one of the ways people build a positive record with credit reference bureaus over time. The key word is responsibly, meaning you only borrow what you can comfortably repay. Missed payments do the opposite, so a manageable loan matters.

Not necessarily; a good rule of thumb is to borrow only what you actually need and can comfortably repay, rather than the maximum available. Borrowing more than needed increases both your repayments and your total cost. Taking a moment to check affordability first protects your budget.