Responsible Lending

1. We lend what can be repaid

Every application is assessed for affordability against real income — M-PESA and bank statements, not optimism. If the requested amount would strain your cash flow, we say so and offer what fits. A declined or reduced offer is sometimes the most responsible product we sell.

2. We price to be finished

Interest is calculated on a the applicable method, so you only pay on the amount you still owe, and every instalment brings you closer to a cleared facility. Affordable monthly interest isn't a promotion; it's the design.

3. We disclose everything, first

Your written offer shows the rate, the instalment, the term, and every fee, insurance and statutory charge — before you sign. If a cost isn't in your offer, you don't pay it.

4. We secure sensibly

Security (such as a logbook) protects the facility — it is not a business model. Our interest is your successful repayment and the discharge of your security, not the asset itself.

5. We support customers in difficulty

If your circumstances change, contact us as early as possible — ideally before a payment is missed. Early conversations give us the most room to help: restructuring, revised schedules, or breathing space. We treat customers in difficulty with respect and work toward solutions before remedies.

6. We respect your data and your decisions

Your information is used to serve your facility, protected under the Data Protection Act, and never sold. And you will never be pressured into borrowing: take the offer home, sleep on it, ask hard questions.

Your part

Responsible lending works best opposite responsible borrowing: give accurate figures, borrow for purposes that build value, keep one instalment as a buffer, and call us early when trouble approaches. Our credit management guide is a good place to start.