Trusted by 350K+ users
Trusted by 350K+ users
Your Financial Future is Here
Your Financial Future is Here
Your Financial Future is Here
Whatever your goals, we’ve got you.
Whatever your goals, we’ve got you.
Whatever your goals, we’ve got you.
Whatever your goals, we’ve got you.
Whatever your goals, we’ve got you.
how to install it
how to install it
how to install it
Follow 3 easy steps
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FEATURES
FEATURES
FEATURES
FEATURES
FEATURES
Your Money. Smarter.
Personalised tools to get more from your money
Improve Your Financial Habits
Understand your financial behavior, monitor your credit score, and receive personalized tips to build better financial habits.
Make Money
Earn through smart habits, cashback, referrals, and more — all built to help your money go further.
Products to Power Your Finances
Compare and choose the right financial products to help you reach your goals faster: Investments, business loans, BNPL, PAYGO products.
Improve Your Financial Habits
Understand your financial behavior, monitor your credit score, and receive personalized tips to build better financial habits.
Make Money
Earn through smart habits, cashback, referrals, and more — all built to help your money go further.
Products to Power Your Finances
Compare and choose the right financial products to help you reach your goals faster: Investments, business loans, BNPL, PAYGO products.
Improve Your Financial Habits
Understand your financial behavior, monitor your credit score, and receive personalized tips to build better financial habits.
Make Money
Earn through smart habits, cashback, referrals, and more — all built to help your money go further.
Products to Power Your Finances
Compare and choose the right financial products to help you reach your goals faster: Investments, business loans, BNPL, PAYGO products.
Improve Your Financial Habits
Understand your financial behavior, monitor your credit score, and receive personalized tips to build better financial habits.
Make Money
Earn through smart habits, cashback, referrals, and more — all built to help your money go further.
Products to Power Your Finances
Compare and choose the right financial products to help you reach your goals faster: Investments, business loans, BNPL, PAYGO products.
Improve Your Financial Habits
Understand your financial behavior, monitor your credit score, and receive personalized tips to build better financial habits.
Make Money
Earn through smart habits, cashback, referrals, and more — all built to help your money go further.
Products to Power Your Finances
Compare and choose the right financial products to help you reach your goals faster: Investments, business loans, BNPL, PAYGO products.
LAUNCH JUNE 2025
LAUNCH JUNE 2025
LAUNCH JUNE 2025
LAUNCH JUNE 2025
LAUNCH JUNE 2025
In partnership with
Tired Of Old Scores? So Are We.
Tired Of Old Scores?
So Are We.
Discover the Boosted Score
The Boosted Score is a new kind of credit score. It blends traditional CRB data with alternative data you choose to share, such as financial statements or device data—giving you more control and a more accurate picture of your creditworthiness.
Hear it from our users
Hear it from our users
4.3
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
"My experience with KAMOA's Refer a Friend feature has been fantastic. It's an easy way to share the app with friends while earning great rewards. The feature is user-friendly and a win-win for both me and my friends. Highly recommend it!"
Jerry
2 Jan 2025
The community feature makes me feel less isolated and motivated
Liliana
2 Oct 2024
I loved how easy it was to navigate the app and there were a variety of lenders to choose from. The approval was fast and It felt like they geniunely cared about helping me, not just making a sale. Highly recommend it to anyone needing a reliable financial boost!.
Stanley
3 Dec 2024
One of the Top Apps in Digital Finance
One of the Top Apps in Digital Finance
One of the Top Apps in Digital Finance
One of the Top Apps in Digital Finance
350K+
350K+
350K+
Downloads on Google Play
Downloads on Google Play
Downloads on Google Play
4.3
4.3
4.3
Rating out of 5
Rating out of 5
Rating out of 5
185k+
185k+
185k+
Financial transactions facilitated
Financial transactions facilitated
Financial transactions facilitated
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Trusted by top financial institutions
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made.
Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made.
Kamoa is a free service with no additional fees for users.
Kamoa is not a lender.
We are a platform that connects users with various lenders offering loans in Kenya and Nigeria.
All rates and terms are clearly presented before any agreement is made. Kamoa is a free service with no additional fees for users.