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Consumer

Enterprise

About

Make

Smarter

Financial

Decisions

Make

Smarter

Financial

Decisions

Make

Smarter

Financial

Decisions

Make

Smarter

Financial

Decisions

Grow.

Grow.

Earn.

Earn.

Get Funded.

Get Funded.

Grow. Earn. Get Funded.

Earn.

Get Funded.

Grow.

Earn.

Get Funded.

Grow. Earn. Get Funded.

Earn.

Get Funded.

Learn to get more from your money, and get lightning fast access to funds

Learn to get more from your money, and get lightning fast access to funds

Learn to get more from your money, and get lightning fast access to funds

Learn to get more from your money, and get lightning fast access to funds

Learn to get more from your money, and get lightning fast access to funds

Grow

Personalised tools to get more from your money

Discover detailed insights on how you manage your money, monitor your credit score, and get personalised recommendations to improve your financial habits.

Earn

Make money with Kamoa

Earn tokens every time you make a positive impact in the Kamoa community—like when your referrals get funded through the app. Use your tokens to unlock features or cash them out instantly to your M-Pesa wallet.

Get Funded

One marketplace - many options

Fund your business. Finance an e-bike. Get a mobile device. You receive cash back when you get funded through the app—so your loans are cheaper on Kamoa!

Grow

Personalised tools to get more from your money

Discover detailed insights on how you manage your money, monitor your credit score, and get personalised recommendations to improve your financial habits.

Earn

Make money with Kamoa

Earn tokens every time you make a positive impact in the Kamoa community—like when your referrals get funded through the app. Use your tokens to unlock features or cash them out instantly to your M-Pesa wallet.

Get Funded

One marketplace - many options

Fund your business. Finance an e-bike. Get a mobile device. You receive cash back when you get funded through the app—so your loans are cheaper on Kamoa!

You're minutes away from your finances

1

Download
Kamoa App
from Play Store

1
Download
Kamoa App
from Play Store

1
Download
Kamoa App
from Play Store

2

Upload a
recent M-pesa
statement

2
Upload a
recent M-pesa
statement

2
Upload a
recent M-pesa
statement

3

Share basic
details about
You

3
Share basic
details about
You

3
Share basic
details about
You

4


You're
IN !

4
You're
IN !

4
You're
IN !

Trusted by Kenya's Top Lenders

Trusted by Kenya's Top Lenders

Trusted by Kenya's Top Lenders

Trusted by Kenya's Top Lenders

Trusted by Kenya's Top Lenders

Trusted by Kenya's Top Lenders

And by more than 220,000 users

And by 220,000+ users

And by 220,000+ users

⭐️ 4.3/5 on Google Play Store

⭐️ 4.3/5 on Google Play Store

⭐️ 4.3/5 on Google Play Store

"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!"

Lillian
2 Oct 2024

"Recently used kamoa and the experience was surprisingly smooth. 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

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 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.