Fraud Awareness

Loan scams are common in Kenya, and fraudsters often pose as legitimate lenders. Here's how to confirm you're dealing with the real Aspire, and how to recognise scams more broadly.

How to verify it's really us

Aspire Lending communicates only through these official channels:

Phone: 0791 200 500
Licence: verify Aspire Lending Ltd on the Central Bank of Kenya directory of licensed Digital Credit Providers
Email: addresses ending in @www.aspirelending.co.ke
Offices: Rehema Place, Office Suite D24, Ngong Road, Opposite Prestige Mall
Website: this website and its application forms

If anyone claiming to be Aspire contacts you through other channels — personal phone numbers, unofficial email domains, social media DMs — verify by calling our official lines before acting.

Red flags of loan fraud

Upfront "release fees". Fraudsters "approve" a loan then demand a fee — via personal M-PESA — to "release" it. Aspire's costs are disclosed in your offer and handled within the facility, never demanded via personal numbers to unlock funds.
Guaranteed approval without assessment. No legitimate lender approves a loan without reviewing documents and affordability.
Pressure and countdowns. "Pay within 30 minutes or lose the offer" is a scam signature. Real offers survive a night's sleep.
Requests for PINs or passwords. No lender ever needs your M-PESA PIN, banking password or OTP codes. Never share them with anyone.
Terms that look too good. A rate far below every other lender, no security required, no questions asked — treat this as a warning sign, not a bargain.

Protecting your documents

Your National ID, KRA PIN and logbook copies are valuable to fraudsters. Share them only through official channels, write the purpose and date across copies where practical, and be wary of "agents" collecting documents on a lender's behalf — Aspire will confirm any authorised representative if you call us.

If you suspect fraud

Stop all payment and communication with the suspected fraudster.
Call us on 0791 200 500 to verify or report anything done in Aspire's name.
Report to the DCI and, for mobile money fraud, to Safaricom (dial 333 / report line 0722 002 222).
Keep all messages, numbers and receipts as evidence.