134 guides
Loans and credit guides
Mobile loans, asset finance, logbook loans and CRB: what credit really costs and what happens if you miss a payment.
- Absa Timiza USSD code (Kenya 2026): the *848# menu explainedTimiza via USSD, step by step.
- Airtel Money and Credit Bank: what it costs, both directionsAirtel's published charge table for moving money between Airtel Money and Credit Bank, plus the limits and what to do if a transfer stalls.
- All USSD loan codes in Kenya (2026): the comprehensive listEvery USSD short code for a mobile loan in Kenya in one place, with what each does.
- Are Fiza, PesaIn and Wamaka loan apps licensed by CBK?Fiza and PesaIn come from Wabema Credit Limited, a licensed digital lender. Wamaka is not in CBK's directory. What we checked and what it means.
- Are Koro and Daviva loan apps licensed by CBK?Yes, through the companies behind them. Neither app name is on CBK's list, because CBK lists companies, not apps. Here is which company runs each, and how to check it yourself.
- Are Zeed, Lendable and Zam loan apps licensed by CBK?None of the three appears in CBK's digital credit provider directory of 29 September 2026. What that means, and how to check any loan app yourself.
- Aspira Kenya review (2026): point-of-sale finance, how it works, and cost checksPoint-of-sale instalment credit. Understand the total cost of purchase before signing.
- Asset finance in Kenya: how to borrow and repay (Watu, Mogo, OnFon, M-KOPA)The 2026 guide to asset finance, motorbikes, smartphones, fridges, generators. How the major lenders work, how M-Pesa repayment works, and the cost traps to avoid.
- Bank loan interest rates in Kenya: CBK data forThe average rate Kenyan banks charged on loans, month by month, from the Central Bank of Kenya, and how KESONIA now sets your rate.
- Berry loan review (2026): how it works, what to check on CBK registerA newer app-based lender. Verify the licence before you draw.
- Best loan apps in KenyaCBK-licensed lenders ranked on the real cost of for days, price transparency, limits, conduct and access.
- Best vehicles for logbook financing in Kenya (2026)The classic Kenyan collateral cars and why they give you the strongest logbook loan offer.
- Boda boda financing in Kenya 2026: what you actually payThe honest decision guide. What a bike costs cash, what Watu and Mogo add on top, and when financing makes sense.
- Boda boda financing real cost Kenya 2026: sources, arithmetic, and methodologyHow Watu, Mogo and SACCO boda financing prices out from primary Parliamentary evidence and published lender terms, with worked examples, hidden fees, repossession mechanics, and a numbered sources appendix.
- Branch Kenya review (2026): rates, regulatory status, and how it differs from TalaBranch operates as a microfinance bank, not a digital credit provider. That matters for the products, the deposits, and how you complain if something goes wrong.
- Can I get a loan when I'm CRB listed in Kenya (2026)?The honest answer for CRB-listed Kenyan borrowers. What mainstream banks and apps will do, where Hustler Fund sits, why SACCO share-secured loans often still work, the danger of predatory unlicensed lenders, and how to plan the actual route back to credit.
- Check-off loan employer requirements in Kenya (2026)What HR and payroll teams need to set up and run check-off lending compliantly.
- Co-op Msamaria loan USSD (Kenya 2026): *667# step-by-stepCo-op Bank mobile loans on USSD.
- Early settlement: how to clear a device or asset loan early in Kenya (2026)Whether early settlement discounts exist on Safaricom Lipa Mdogo Mdogo, Watu, and Mogo. How to request a written early-settlement quote, why the outstanding balance and the early-settlement figure differ, and when early settlement saves money and when it does not.
- EazzyLoan Guide 2026: How to Borrow up to KES 3 MillionEligibility, how to apply on *247#, Boostika mid-transaction overdraft, Jiokolee Credo, and the honest note that Equity does not publish a fixed interest rate.
- Equity Eazzy loan USSD code (Kenya 2026): *247# step-by-stepEquity Bank mobile loans on USSD.
- Fuliza Biashara Explained 2026: Till Overdraft up to KES 400,000An M-PESA overdraft for business tills. 2% per disbursement, 30-day window, CRB listing after 91 days. Verified 30 August 2026.
- Fuliza limit 2026: who qualifies and how to increase itWhat Safaricom itself says about Fuliza eligibility, why a limit is zero or drops, and the only two things that grow it.
- Fuliza Review 2026: 1% Access + Daily Fee + 20% ExciseFuliza is not a loan; it is an overdraft. Cheap for a one-day rescue, expensive if it sits. Verified 30 August 2026.
- Fuliza True Cost 2026: 1% Access + Daily Band Fee + 20% ExciseEvery fee band, every worked example, and the true effective cost of a Fuliza overdraft. Verified 30 August 2026.
- Fuliza USSD code and how to use (Kenya 2026)Everything Fuliza on USSD.
- Fuliza ya Pochi (Pochi Fuliza): how Safaricom's Pochi overdraft worksWho qualifies, how to opt in, what it costs, how it is repaid and what happens if you do not repay. From Safaricom's own FAQ, read 25 October 2026.
- Getting your logbook after the final payment: what to do if the lender stalls (2026)The typical timeline, the documents you need, escalation to CBK and NTSA when the lender drags its feet, and the reality that an unlicensed lender's claim to your logbook has limited enforceable weight.
- Gharama za Fuliza 2026: ada ya 1% na ada ya kila sikuUnacholipa ukitumia Fuliza, kiwango kwa kiwango, na mifano ya hesabu.
- Group lending in Kenya 2026: Vision Fund, BIMAS, ECLOF, KWFT comparedHow joint-liability group lending actually works in Kenya, the major lenders, repayment via M-PESA, and the rules to know before joining.
- Guaranteeing a boda boda loan in Kenya: what you are actually agreeing to (2026)A guarantor's real legal exposure on a Watu, Mogo, or SACCO boda loan. What Watu terms say about pursuing the guarantor for the shortfall, the common misconceptions, and what to do if the primary borrower defaults.
- HFC Whizz review (2026): HF Group's digital banking and short loanA bank-backed digital lending channel with a strong Whizz app. Rate depends on HFC banking history.
- How to Borrow M-PESA Loans 2026: Dial *334# or *234# by USSDStep-by-step USSD menu trees for M-Shwari, KCB M-PESA, personal Fuliza and Fuliza Biashara. Verified 30 August 2026.
- How to check if a lender is licensed in Kenya, in 2 minutes (2026)The five-step verification playbook. Search CBK's official register for the registered company name (not the trade name), confirm licence date, cross-check with paybillke's CBK Licence Checker, and ask the lender in writing if in doubt.
- How to check your CRB status in Kenya for freeThe bureau channels, when the law makes your report free, and how to fix a listing that is wrong.
- How to get an M-PESA loan via USSD (Kenya 2026)The exact menu path, on any Safaricom-registered phone.
- How to get off CRB in Kenya (2026): what actually works and how long it takesThe five-step CRB clearance process in Kenya. The three CBK-licensed bureaus, the 5-year retention rule, the 30-day lender notification, your free annual credit report entitlement, the formal dispute process, and the myth-bust on paying an agent to clear you.
- How to opt out of Fuliza (2026): the *334# steps and what to know firstIf you would rather M-PESA simply declined a payment than quietly overdraw you, opt out of Fuliza. It takes a short menu, but you have to clear any balance first.
- How to pay a KCB M-PESA loan (2026): the menu or paybill 522559KCB lists two ways to pay: the M-PESA menu, or paybill 522559 with the borrower's national ID number as the account. The paybill route also lets you pay someone else's loan.
- How to pay an M-Shwari loan (2026): the steps, and why there is no paybillM-Shwari sits inside M-PESA, so there is no M-Shwari paybill. You pay from the M-Shwari menu in about a minute. Here are the exact steps Safaricom lists.
- How to pay d.light via M-PESA (paybill 215550), 2026d.light is paybill 215550 with your customer reference as the account. Here is the flow for topping up or repaying a d.light solar unit.
- How to pay M-KOPA via M-PESA (paybill 333222), 2026M-KOPA is paybill 333222 with your M-KOPA account ID, not your phone number. Here is the flow and what to do when the device stays locked after the payment clears.
- How to pay Mogo loan via M-PESA (paybill 7034211), 2026Mogo is paybill 7034211 with your agreement number or vehicle plate as the account. Here is the exact flow and what to do when a repayment does not show on your statement.
- How to pay Onfon Mobile via M-PESA (paybill 4104151), 2026Onfon is paybill 4104151 with your registered phone as the account. Onfon runs a second paybill too, so confirm which one the recipient wants before you send.
- How to pay Watu Credit via M-PESA (paybill 650880), 2026Watu is paybill 650880 with your National ID as the account. Here is the flow, plus how long the bike takes to unlock after you pay.
- How to repay a Branch loan via M-PESA (paybill 998608), 2026Branch lets you repay in-app, but the M-PESA paybill 998608 works too, with your registered phone number as the account.
- How to repay a Hustler Fund loan (2026): *254#, auto-repay, and savingsThe Hustler Fund is a government line, so you repay it through the *254# menu, not a Pay Bill. Repaying on time is also how you grow your limit and free up the savings portion.
- How to repay a Tala loan via M-PESA (paybill 851900), 2026Tala's app has a repay button, but the M-PESA paybill 851900 works too, with your registered phone number as the account.
- How to repay a Zenka loan via M-PESA (paybill 979988), 2026Zenka is paybill 979988 with your registered phone number or loan ID. Here is the flow and what to check when the balance does not clear.
- How to repay an Absa Timiza loan via M-PESA (paybill 300067), 2026Absa Timiza can be repaid on its own *848# menu, but the M-PESA paybill 300067 works too, with your registered phone as the account.
- How to repay an Equity Eazzy loan via M-PESA (paybill 247263), 2026You can clear an Equity Eazzy loan straight from M-PESA using the Eazzy loan paybill 247263 with your Equity account number, without moving money into the bank app first.
- Hustler Fund CRB listed: what to do (Kenya 2026)The policy allows it. Enforcement has been on-and-off. Here is what to do if you get listed, and what to watch for on the amnesty side.
- Hustler Fund loan limit not increasing: why, and how to fix it (Kenya 2026)Perfect repayment is table stakes, not enough. Here is what actually moves the Hustler Rating.
- Hustler Fund payment not reflecting: what to do (Kenya 2026)You repaid, M-PESA confirmed, but *254# still says the loan is open. The five real causes and how to fix each.
- Hustler Fund review (2026): 8% p.a., limits, and how the savings pot worksGovernment-subsidised digital credit. Cheapest, smallest, tightest tenure. Here is what to expect.
- Hustler Fund savings withdrawal Kenya 2026: 5% mandatory pot, short vs long termWhat the 5 percent savings pot is, how it splits, when you can touch it, and what taxes apply.
- Hustler Fund USSD: registration and loan via *254# (Kenya 2026)Everything you need on the Hustler Fund USSD.
- If your boda sells for less than you owe: what happens next (2026)How post-repossession sale works, why dealer wholesale almost always undershoots the outstanding balance, a worked KES 130,000 example of the shortfall arithmetic, and what the lender can do to recover from you and your guarantor.
- iPesa loan review (2026): what it is, licence check, and honest rankingA widely-installed app lender. Verify the licence before drawing.
- Is M-KOPA licensed by CBK in Kenya? (2026)Yes. M-Kopa Loan Kenya Ltd was licensed by the Central Bank of Kenya on 30 January 2023, part of the first tranche of licensees under the CBK 2022 digital credit regulations. What that covers, and why M-KOPA still publishes almost no headline pricing.
- Is Mogo Auto licensed by CBK in Kenya? (2026)Yes. Mogo Auto Ltd is listed in the Central Bank of Kenya register of non-deposit-taking credit providers, licensed 27 June 2024. What that means under the 2024 legal reform and what it does not mean for asset finance pricing.
- Is Onfon Mobile licensed in Kenya? (2026)As of the Central Bank of Kenya April 2026 register of non-deposit taking credit providers, Onfon Mobile does not appear. What that means for a customer of the Onfon phone finance product (KES 1,800 to 12,000 deposit, KES 50 to 220 daily) and what to check before signing.
- Is Opesa licensed by CBK? What the official directory showsOpesa does not appear by name in CBK's list of licensed digital lenders. Here is what that means and how to check for yourself.
- Is Sun King (Greenlight Planet) licensed in Kenya? (2026)As of the Central Bank of Kenya April 2026 register of non-deposit taking credit providers, Sun King (Greenlight Planet) does not appear. What that means, what to check before signing a Sun King PAYGo contract, and how to verify current status.
- Is Tala licensed by CBK in Kenya? (2026)Yes. Inventure Mobile Ltd, trading as Tala, was licensed by the Central Bank of Kenya on 30 January 2023 as part of the first tranche under the CBK 2022 Digital Credit Providers Regulations. What that covers, and the APR caveat.
- Is Watu Credit licensed by CBK in Kenya? (2026)Yes. Watu Credit Ltd is licensed by the Central Bank of Kenya as a non-deposit-taking credit provider, licensed 5 June 2025. What that licence covers, what it does not (it does not cap the 8.6 percent per month rate Watu charges), and how to verify status.
- Is Zenka Digital licensed by CBK in Kenya? (2026)Yes. Zenka Digital was licensed by the Central Bank of Kenya on 27 March 2023, part of the early tranche under the CBK 2022 digital credit regulations. What that covers, plus the effective APR caveat that applies to short-term unsecured lenders.
- KCB M-PESA loan USSD code (Kenya 2026): the exact menu pathKCB M-PESA is inside the M-PESA menu, not a separate USSD.
- KCB M-PESA loan when CRB-listed: can you still borrow?Borrowing options when CRB-listed in Kenya, how KCB M-PESA, M-Shwari, Fuliza, and digital lenders handle listed users in 2026.
- KCB M-PESA Review 2026: 8.93% Fee, KES 100 to 1,000,000Bank-backed mobile loan with the highest published ceiling in the M-PESA menu. Verified 30 August 2026.
- Kenya's borrowing boom: what a KSh 4.65 trillion loan book means for youCredit in Kenya got cheaper, easier to get and less likely to sink you than it was two years ago. Here is what the mid-2026 numbers say, and what to do about them.
- Kenyan loan apps 2026: the real APR every lender hidesTala, Branch, M-Shwari, KCB M-PESA, Fuliza, Hustler Fund and the rest, in one apples-to-apples APR table.
- Kopa Cent review (2026): what it is, licence check, and honest rankingA small mobile lender. Verify licence before drawing.
- KSh 1,000 loan in Kenya: what you repay at each lenderThe real cost of borrowing a thousand shillings, worked out from each lender's own published price.
- KSh 5,000 loan in Kenya: what you repay at each lenderThe real cost of borrowing five thousand shillings, worked out from each lender's own published price.
- Loan apps that don't check CRB in Kenya (2026): the truth, and what to do insteadWhy no licensed app can promise to skip CRB, what the "no CRB check" offers really are, and what to do if you are CRB-listed and need to borrow.
- Loan USSD codes that don't need a smartphone (Kenya 2026)Every mainstream Kenyan mobile loan accessible from a feature phone, ranked.
- Loan without a payslip in Kenya: who lends and what they checkThe loans that never ask for a payslip, what they look at instead, and how to prove income when you need more.
- Loans without an app in Kenya (2026): USSD and M-PESA menu loansFive licensed ways to borrow without installing anything: two inside the M-PESA menu and three on USSD codes. Each route below is copied from the lender's own website.
- Logbook loan vs bank car loan in Kenya (2026)The honest side-by-side. Non-bank logbook loans versus commercial bank car loans in Kenya, with real cost math and when each fits.
- LOLC Kenya review (2026): microfinance credit, SME lending, and mobile accessNot a mass-market app lender. SME and asset-focused instead.
- LOOP BIZ+ explained: the till, card machine, loans and what they costWhat is in LOOP's new merchant bundle, how its business loans are assessed, the fees LOOP has published, and the ones it has not.
- LOOP loans and overdraft: limits, fees and how to qualifyEvery LOOP credit product, with the limits and fees LOOP itself publishes.
- M-KOPA cost transparency in Kenya: what is and is not published (2026)M-KOPA publishes no cash-vs-financed pricing on its Kenyan site. This guide covers what is verifiable (CBK licensing, product model), what is structurally likely (1.5-2x cash-equivalent financing multiple based on Lipa Mdogo Mdogo parallel), and the questions to ask before signing.
- M-KOPA phone locked in Kenya: unlock, payment, escalation (2026)Why an M-KOPA phone locks on a missed payment, the PayGo mechanic, how to unlock, and what to do if your payment has cleared but the phone is still locked. Sourced to M-KOPA published product model and CBK licensing.
- M-KOPA smartphone financing Kenya 2026: paybill 333222, real cost, digital loanHow M-KOPA smartphone financing actually works in Kenya 2026. Deposit at agent, daily/weekly/monthly payments via paybill 333222, phone lock behaviour, when the digital loan unlocks (about 3 months), and how to avoid fake M-KOPA WhatsApp scams.
- M-PESA for boda boda, matatu, and transport in Kenya 2026How boda boda riders, matatu SACCOs, taxi drivers, and small transport operators use M-PESA in 2026. Pochi vs till, offline-first workflows, fuel and licence payments, KRA turnover-tax reality. Worked examples for a boda rider and a matatu.
- M-PESA Loan CRB Listing 2026: 90-Day Rule and How to ClearWhat CRB listing costs, the day-by-day default timeline, and the two paths back to clean. Verified 30 August 2026.
- M-PESA Loans Compared 2026: Fuliza vs M-Shwari vs KCBFuliza is cheapest for a small emergency. M-Shwari costs 9% for 30 days. KCB M-PESA reaches KES 1,000,000. Full comparison, verified 30 August 2026.
- M-Shwari 52-Week Challenge 2026: Save KES 68,900 in a YearSave KES 50 in week 1, KES 100 in week 2, KES 150 in week 3, and continue adding KES 50 each week. Full schedule and interest maths.
- M-Shwari loan USSD code (Kenya 2026): the exact menu pathM-Shwari via the M-PESA menu, step by step.
- M-Shwari Review 2026: 9% Total for 30 Days, KES 1,000 MinimumBank-backed mid-tier lender inside the M-PESA menu. 9% for 30 days, savings up to 6.3% per year. Verified 30 August 2026.
- Microfinance banks in Kenya 2026: KWFT, SMEP, Caritas, Faulu paybillsThe licensed microfinance banks in Kenya, what each is good for, paybill numbers, and how they actually compare to commercial banks.
- Missed a loan payment in Kenya? What happens nextThe fees, the warning, the limits on collectors and the CRB timeline, from the rules themselves.
- Mobile loan effective APR explained (Kenya 2026): how to compute it yourselfConvert any Kenyan mobile loan facility fee to a comparable annualised rate.
- Mogo boda arrears and recovery in Kenya (2026)What arrears look like at Mogo Auto, how the recovery ladder works, the published pricing, catch-up options, and how to negotiate a restructure before repossession.
- Mogo paybill 7034211 not working? Loan repayment fixes (2026)Agreement number vs plate number, balance update lag, the NCBA bank alternative, scam paybills targeting boda owners, and how to escalate to Mogo Kenya.
- Mogo repossession in Kenya: how the process works (2026)How Mogo Auto repossesses a boda boda in Kenya, the GPS pickup, where the bike goes, whether Mogo publishes a redemption window, what happens to your logbook, and how the shortfall pursues you and your guarantor.
- Mwananchi vs Momentum vs Ngao Credit (2026): a three-way comparisonSide-by-side of Kenya's largest non-bank logbook lenders, and where each actually wins.
- My Lipa Mdogo Mdogo phone is locked: how to unlock it (2026)Step-by-step unlock walkthrough for a locked Lipa Mdogo Mdogo phone using *544*50#. What the lock actually blocks, what still works, typical unlock time from payment, and troubleshooting when payment reflects but the phone stays locked.
- My Lipa Mdogo Mdogo phone is still locked after I finished paying: what to do (2026)You made the final payment, the account is clear, and the phone is still locked. The three common causes, the escalation sequence via *544*4#, Safaricom customer care and branch visit, and why any request for an unlock fee at this stage is a red flag.
- OKash loan review (2026): what it is, licence status, and cautionsHistorically controversial. Verify licence and current operating status before drawing.
- Onfon Mobile phone financing Kenya 2026: paybill 4104151, *797# flow, real costHow Onfon Mobile phone financing actually works in Kenya 2026. Dial *797# to qualify, weekly or monthly repayments over 3-12 months, 13 brands stocked (Tecno, Infinix, Samsung, Xiaomi, more), pay via M-PESA paybill 4104151. Realistic total-cost framing.
- Onfon phone financing: cost and consumer rights in Kenya (2026)The Onfon Mobile phone financing product in Kenya, its typical deposit and daily instalment range, what consumer protections apply given Onfon is not in the CBK April 2026 register, and what to ask before signing.
- Real cost of a Mwananchi Credit logbook loan (2026)Worked example: principal, interest, arrangement fee, valuation, chattels, and effective APR on a typical Mwananchi Credit logbook loan.
- SACCO Deposit Guarantee Fund explained (Kenya 2026): what SDGF actually coversThe SACCO Societies Deposit Guarantee Fund covers deposits at SASRA-licensed DT-SACCOs. This guide explains the cover ceiling, what is covered, what is not, and how a claim works when a SACCO fails. Verified 26 August 2026.
- Solar financing in Kenya: M-KOPA, Sun King, d.light compared (2026)How Pay-As-You-Go solar finance works in Kenya, the major providers, total cost, M-Pesa repayment, and which fits your household.
- Sun King EasyBuy solar in Kenya: total cost and what to ask (2026)Sun King EasyBuy is a PayGo solar-home-system product from Greenlight Planet. Sun King is not in the CBK April 2026 non-deposit-taking credit register. This guide covers the pricing structure, financing multiple range, and the questions to ask before signing.
- Tala Kenya review (2026): rates, licence status, and the honest pictureTala is CBK-licensed, priced by flat facility fee, and demands app permissions that some borrowers dislike. Here is the honest scoping.
- Tala USSD alternatives (Kenya 2026): what to use when there is no Tala USSDTala is app-first. Here is what to dial instead.
- Talanta Stadium (Raila Odinga International Stadium): events and ticketsWhat is on at Nairobi's new national stadium, when it opens, how many it holds, and where tickets are sold.
- Timiza review (2026): Absa Kenya's mobile loan, rates and limitsAbsa's mobile lending product. Modest rates for eligible borrowers, plus paired savings and insurance.
- Vehicle valuation for a logbook loan in Kenya (2026)How Kenyan valuers price your car, what they look for, and how loan-to-value translates from valuation to cash in hand.
- Watu Credit motorbike financing Kenya 2026: deposit, weekly, real total costHow Watu Credit boda boda financing actually works in Kenya 2026. Deposit ranges, weekly instalment, tracker and insurance bundle, realistic total repayment, what happens if you default, and how to pay via M-PESA paybill 650880.
- Watu Credit repossession: your rights and the seven-day redemption window (2026)What the seven-day redemption window actually means, the KES 5,000 collection charge, what "redeem" costs in practice, and the market-value sale that follows. Sourced to Watu summarised customer terms.
- Watu vs Mogo boda financing in Kenya (2026): head-to-headWatu Credit vs Mogo Auto head-to-head on rate, term, deposit, recovery mechanics, GPS, guarantor exposure, redemption windows, and CBK licensing status. Sourced to CBK register, Watu Country Manager Parliamentary testimony, and Mogo published boda terms.
- What a mobile loan actually costs in Kenya (2026): the fees nobody quotes upfrontThe full stack of fees on a Kenyan mobile loan, and how to compare like-for-like.
- What happens if you default on a Kenyan logbook loan (2026)The written notice the law requires, when the lender can take the car, the five-day sale notice, and who pays any shortfall.
- What happens if you default on an Onfon phone in Kenya (2026)Onfon Mobile phone financing default sequence in Kenya, and what changes because Onfon is not in the CBK April 2026 non-deposit-taking credit register. Complaint routes, consumer options, and what to ask before signing.
- What happens if you default on M-KOPA in Kenya (2026)The M-KOPA default sequence for phones, solar, and other PayGo assets. Device deactivation, contact escalation, whether M-KOPA repossesses, and how to escalate a locked device you have paid for. Sourced to M-KOPA CBK licensing and the PayGo product model.
- What happens if you default on Mogo Auto in Kenya (2026)The Mogo Auto default sequence for boda boda financing, the GPS tracker, the recovery process, redemption if any, and the guarantor exposure. What Mogo publishes, what is not published, and how to protect yourself.
- What happens if you default on Sun King EasyBuy in Kenya (2026)The Sun King EasyBuy default sequence for solar home systems: unit deactivation, contact escalation, whether Sun King repossesses, and what consumer options apply given Sun King is not on the CBK April 2026 non-deposit-taking credit register.
- What happens if you default on Watu Credit (2026)The full Watu Credit recovery sequence from missed instalment to repossession, the seven-day redemption window, the KES 5,000 charge, and the guarantor exposure. Sourced to Watu summarised terms and the Watu Country Manager Parliamentary testimony.
- What happens if you miss a Lipa Mdogo Mdogo payment (2026)The full Safaricom Lipa Mdogo Mdogo default ladder, day by day, from the first SMS reminder to CRB listing and external debt collectors. Sourced to Safaricom's own T&Cs and corrects the widespread day-7 lock misinformation.
- What Lipa Mdogo Mdogo actually costs (2026): full pricing table and the bundle-split mathsThe full Safaricom Lipa Mdogo Mdogo pricing table for all 5 published devices, worked multipliers 1.32x to 2.11x, and the crown-jewel bundle decomposition showing the Itel A60 credit portion is nearly free once you split out the compulsory KES 55 per day bundle. Every number sourced.
- What the 2024 law changed for asset financing in KenyaThe Business Laws (Amendment) Act No. 20 of 2024 brought asset financing, PAYGo, and BNPL under CBK supervision for the first time. What changed, what section 33S says, how the 252 licensed non-deposit taking credit providers got there, and what it means for you.
- What to check before using a loan USSD code (Kenya 2026)A five-point safety checklist for any Kenyan loan USSD.
- What to do if you can't pay your loan this month (Kenya, 2026)The pragmatic playbook: contact the lender before the payment date, understand restructuring costs, partial vs no payment, hardship policy per lender, private sale of the asset, and the legitimate free help via COFEK. No fabricated services, only real routes.
- Why CBK licensing matters if you are borrowing in Kenya (2026)The honest scoping. CBK licensing gives you Code of Conduct protections, a complaint route, and criminal-law backing against unlicensed operators. It does not cap interest rates, guarantee fairness, prevent repossession, prevent CRB listing, or entitle you to hardship deferrals.
- Why loan apps reject you in Kenya (2026): the real reasons and how to fix each oneSeven common rejection reasons and what to do about each.
- Why Your M-PESA Loan Limit Is Zero: 4 Causes and Fix TimesThe four reasons an M-Shwari, KCB M-PESA or Fuliza limit is zero, and how long each takes to fix. Verified 30 August 2026.
- Your rights under the CBK Code of Conduct for digital and asset lenders (2026)The Code prohibits debt-shaming, contacting people in your phone contacts, threatening violence, misrepresenting a debt as owed to a court, false CRB listing, and out-of-hours calls. What to do when a licensed lender violates each, and the escalation ladder.
- Zash Loan review: licence, real cost and what to checkZash is licensed by CBK. It is also one of the more expensive ways to borrow. Here is what its own listing says a loan costs.
- Zenka Kenya review (2026): what it costs, licence status and CRBZenka is CBK-licensed. It publishes a fee range of 2.45% to 39% of the loan, no processing fee, and terms up to 61 days.