Small loans, big solutions.

CreditMoja offers a simple and user-friendly online loan application process, which can be completed within a few minutes.


No Collateral Required

CreditMoja does not require any collateral or security for its loans, making it accessible to a wider range of borrowers who may not have assets to offer as collateral.

Flexible Repayment Terms

CreditMoja offers flexible repayment terms, allowing borrowers to choose a repayment schedule that suits their financial situation.

How to get a loan


Fill out our online application form and submit the necessary documents.


Our team will review your application and notify you of your approval status.

Funds transfer

If approved, the funds will be transferred to your bank account within 24 hours.


Repay the loan on the agreed-upon date through automatic debit or bank transfer.





What our users say

Rachael Chilande

Thank you I was in a tight place I applied and immidietly I was given some money. But averall its agood app just borrow and pay exactly the day they said you pay if you delay even with afew hours you wont like the experience. Thank you 👍

Monica Wanzala

I used the app last year ,you offered me the loan ,i repayed back ,now again have been trying to apply and all goes well , this app is a good one ,will continue sending you more clients

Luke Abiero

For sure this APPLICATION is good and punctual interms of loan provision. It only took me about 3 minutes to get the money in my mpesa account.

George Kariuki

Am so so happy because this app is helping a lot, I had a problem with the school fees, and am satisfied now, I urge all people to use this app for its only the better option, from today I will be using this app to help me in future. Thanks a lot