Personal Loan
Get from K500 to K250,000 for your personal needs — school fees, medical bills or emergencies.
K500–K250,000up to 36 months
Learn more Our loans
Flexible loan options, made for you
Whatever you are funding — stock, seed, school fees or a new truck — there is a LendFlow product for it. Every loan is 0% interest with one transparent commitment.
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Business Loan
Boost your business with working capital from K500 to K1,000,000.
K500–K1,000,000up to 36 months
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Agri Loan
Loans for farmers — fund seeds, fertiliser, irrigation and tools to grow your yield.
K1,000–K400,000up to 24 months
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Civil Servant Loan
Payroll-backed lending for government employees with easy monthly deductions.
K1,000–K300,000up to 36 months
Learn more Salary Advance
Bridge the gap before payday with a short-term advance on your salary.
K300–K20,000up to 3 months
Learn more Asset Financing
Finance vehicles, machinery and equipment with the asset as security.
K5,000–K1,500,000up to 36 months
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Invoice Discounting
Unlock cash tied up in unpaid invoices from creditworthy buyers.
K5,000–K2,000,000up to 6 months
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Coming soon
Bill Credit
Airtime, data, pay TV, electricity and water on credit — pay later.
K50–K5,000up to 1 months
Learn more Loan requirements
We keep it simple. One consolidated verification covers your identity for every product.
- Aged 18 or older with a valid national ID or passport
- An active MTN MoMo or Airtel Money wallet in your name
- Proof of income — payslip, bank statement or business records
- A completed LendFlow identity verification (one tap on your dashboard)