How it works

Download app or dial *322#

Get App on google play store for android phone or from App store for iOs.

Click proceed.


Input your Safaricom phone number, click proceed and wait for a one time pin (OTP) SMS to confirm successful registration and view limit among other services on the App.

Borrow or repay loan

Borrow Loan

Click borrow on the home screen to access a variety of loan options and select your most preferred option.
Receive loan on your wallet and an SMS to confirm successful request detailing repayment details.
View wallet balance and loan balance on the Account menu.

Repay loan

Click pay loan on the home screen of the App and choose to repay from Wallet or M-pesa.

Send to M-pesa or Top Up Wallet.

Send to M-pesa

Click Send To M-pesa button on the Home screen, input your phone number or select other phone number to send M-pesa to.

Top Up Wallet

Click Top Up Wallet, input the amount to top up, insert your M-pesa pin on the screen pop up menu.

Pay bills or Buy airtime

Pay Bill

Click on Paybill button, select biller, input account number, amount and click proceed to successfully pay the bill.

Receive an SMS confirming bill payment.

Buy airtime

Click buy airtime button on home screen. Select the telco provider to recharge either to self or another phone number, input amount and click proceed.

Receive SMS to confirm successful airtime purchase