Flagship product
Max amount
KES 5M
Regulated by the Central Bank of Kenya
Wallet, Mind & Spirit
— ELEVATE
Tailored, low-interest financial solutions designed to propel Kenyan professionals and businesses toward sustainable growth.
Trusted partners
Backing Kenyan businesses we believe in.
0+ yrs
Building Kenyan credit
KES 0B+
Disbursed to clients
0+
Professionals & SMEs served
0 hr
Average approval to payout
The Process
From application to payout, in four steps.
- 01
Apply
Submit your details online or in-branch in under 3 minutes.
- 02
Verify
Our team verifies documents and runs a soft credit check.
- 03
Approve
Receive a tailored offer with transparent rates and terms.
- 04
Disburse
Funds land in your account — typically within 48 hours.
Our Portfolio
Strategic capital for every growth phase.
Apply
Bridge the gap between paydays
Inua Salo — Salary Advance
Quick access to funds for employed professionals. Pay bills, clear debts, or handle emergencies before payday.
Learn more→Unlock cash from unpaid invoices
Invoice Discounting
Boost your business cash flow with hassle-free invoice discounting. Get paid today for invoices due tomorrow.
Learn more→Clear your goods without delay
Import Duty Financing
Fast, affordable funding to clear cargo at the port. Keep your supply chain moving without tying up working capital.
Learn more→Stay covered without upfront cost
Insurance Premium Financing
Flexible monthly payment solutions for your insurance premiums. Stay protected without straining your cash flow.
Learn more→Our Mantra
Wallet · Mind · Spirit
Three principles, one promise — every product we build is judged against all three.
Wallet
Transparent rates, no hidden fees, products that grow what you've earned.
Mind
Advisory and education that builds confidence around credit and cash flow.
Spirit
A respect-first relationship — we treat every client as a long-term partner.
Loan calculator
Compare what you'll pay, instantly.
Pick a scenario or build your own. All figures use a reducing-balance method and are indicative — your final offer depends on credit assessment.
Try a scenario
Product
Secured against your vehicle. Lowest rate.
How much do you need?
KES
Min Ksh 50,000Max Ksh 5,000,000
Over how many months?
mo
3 mo36 mo
Monthly rate
1.50%
Indicative APR
19.6%
Your monthly repayment
Ksh 45,840
over 12 months · reducing balance
Total interest
Ksh 50,080
Total payable
Ksh 550,080
Indicative only. Excludes statutory excise duty (20% on fees), CRB and insurance fees where applicable. Final TCC disclosed on your offer letter.
By the numbers
Why Kenyan professionals choose Elevate.
Composite client-satisfaction index against typical alternatives — measured across approval speed, rate transparency and repayment flexibility.
Elevate Credit
Tailored, CBK-regulated rates
Typical bank
Slower turnaround, more paperwork
Informal lender
Opaque pricing, high risk
Pata Pesa Chap Chap
Elevate in your pocket.
Apply, track and manage your loans on the go. Hassle-free application, fast approval, repayment reminders — all from a single, beautifully simple app.
GET IT ON
Google Play
Balance
KES 84,500
Salary Advance
Logbook Top-up
Invoice Cash
Apply in 2 minutes
In their words
"Elevate didn't just give us working capital — they walked us through every quarter. They are the partner every Kenyan SME wishes for."
N
Njeri Kamau
Founder, Achievo Supplies
Partner Referral Programme
Introduce an organisation. Earn a commission when they sign up.
Know a business, SACCO, employer or institution that could benefit from Elevate Credit? Refer them to us — when they activate a financing facility, you get paid.
- 1
Submit the organisation's details
- 2
We meet them & tailor a facility
- 3
You earn commission on sign-up
Frequently asked
Answers before you apply.
Eligibility, repayments and the disclosures we are required to make as a CBK-regulated digital credit provider — all in one place.
Eligibility
Who can apply
Repayments
How repayments work
Regulatory disclosures