You'll need a valid National ID or Passport, a recent passport-size photo, proof of income (payslip or business permit), and your KRA PIN certificate. For business loans, you may also need business registration documents and bank statements.

Most applications are processed within 2-4 hours. Emergency loans can be approved within 1 hour. Once approved, funds are disbursed to your M-Pesa or bank account the same day.

It depends on the loan product and amount. Emergency loans and small personal loans typically don't require collateral. For larger amounts, we accept a variety of security options including log books, title deeds, and guarantors.

We understand that life happens. If you're facing difficulties, contact your loan officer immediately. We offer restructuring options, grace periods, and flexible payment plans. We prefer working with you to find a solution rather than penalizing you.

Absolutely! As you build a good repayment history with us, your credit limit automatically increases. Loyal clients enjoy progressively higher limits, better rates, and priority processing.

Yes. Mwanzo Credit Limited is a fully licensed and regulated microfinance institution. We comply with all Central Bank of Kenya (CBK) requirements and are a member of the Association of Microfinance Institutions (AMFI) Kenya.