Empower Your financial Journey with kamoa
Empower Your financial Journey with kamoa
Empower Your financial Journey with kamoa
Connect with Africa's top lenders and build your credit profile to unlock tailored financial solutions.
Connect with Africa's top lenders and build your credit profile to unlock tailored financial solutions.
Download Kamoa on:
Download Kamoa on:
What We Offer To Users
What We Offer To Users
BORROW
BORROW
Lending Partners
Lending Partners
Our Lending Partners Offer
Our Lending Partners Offer
Digital Loan
Digital Loan
Online personal loans that are processed quickly with minimal paperwork, providing borrowers with fast access to funds for various needs.
Online personal loans that are processed quickly with minimal paperwork, providing borrowers with fast access to funds for various needs.
Salary Loan
Salary Loan
Short-term loans secured against monthly income, repaid through automatic salary deductions for quick access to cash.
Short-term loans secured against monthly income, repaid through salary deductions for quick access to cash.
Short-term loans secured against monthly income, repaid through automatic salary deductions for quick access to cash.
Car Financing
Car Financing
Structured loans that enable the purchase of vehicles, allowing borrowers to spread costs over time while retaining ownership.
Structured loans that enable the purchase of vehicles, allowing borrowers to spread costs over time while retaining ownership.
SME Loan
SME Loan
Longer term capital for your business. Invest in new equipment, premises or growth. Available to all businesses with license to operate.
Longer term capital for your business. Invest in new equipment, premises or growth. Available to all businesses with license to operate.
Logbook Loan
Logbook Loan
Secured loans where the vehicle's logbook serves as collateral, permitting access to funds while still using the vehicle.
Secured loans where the vehicle's logbook serves as collateral, permitting access to funds while still using the vehicle.
Device Financing
Device Financing
Installment plans for purchasing electronic devices, enabling consumers to acquire technology without a substantial upfront payment.
Installment plans for purchasing electronic devices, enabling consumers to acquire technology without a substantial upfront payment.
E-bike Financing
E-bike Financing
Financing options specifically for electric bicycles, allowing customers to invest in sustainable transportation with manageable payments.
Financing options specifically for electric bicycles, allowing customers to invest in sustainable transportation with manageable payments.
Getting Started is Easy
Join Kamoa Marketplace to access our network of trusted lenders
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace
App download and installation
Document submission (M-pesa Statement)
Identity verification
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace.
STEP 2
Select a Category and Lender
Browse through loan categories and choose a lender that matches your needs.
STEP 3
Accept Loan Offer
Review and accept your personalized loan offer to receive funds.
Getting Started is Easy
Join Kamoa Marketplace to access our network of trusted lenders
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace
App download and installation
Document submission (M-pesa Statement)
Identity verification
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace.
STEP 2
Select a Category and Lender
Browse through loan categories and choose a lender that matches your needs.
STEP 3
Accept Loan Offer
Review and accept your personalized loan offer to receive funds.
Getting Started is Easy
Join Kamoa Marketplace to access our network of trusted lenders
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace
App download and installation
Document submission (M-pesa Statement)
Identity verification
STEP 1
Register and Login
Create a profile and we will match you with the best lenders on Kamoa Marketplace.
STEP 2
Select a Category and Lender
Browse through loan categories and choose a lender that matches your needs.
STEP 3
Accept Loan Offer
Review and accept your personalized loan offer to receive funds.
GROW
Grow Smart with Kamoa
Grow Smart with Kamoa
Take control of your financial journey with Kamoa Grow, your personalized financial wellness hub. Get instant access to your TrustScore, CreditInfo reports, tailored insights and actioned recommendations—all designed to help you make smarter money moves and achieve your financial goals.
Take control of your financial journey with Kamoa Grow, your personalized financial wellness hub. Get instant access to your TrustScore, CreditInfo reports, tailored insights and actioned recommendations—all designed to help you make smarter money moves and achieve your financial goals.
Understand Your Finances
Understand Your Finances
Insights
Insights
Learn more about your financial habits and your financial performance.
Learn more about your financial habits and your financial performance.
Recommendations
Recommendations
Discover how to enhance your financial habits and boost your creditworthiness.
Discover how to enhance your financial habits and boost your creditworthiness.
Get your Creditinfo Report
Get your Creditinfo Report
Take control of your financial future with Kamoa's CRB feature. You can access your Creditinfo report directly through the Kamoa app, making it easier than ever to understand and track your creditworthiness. Get your first report free each year, with convenient M-PESA payments for additional reports—all within your trusted Kamoa app.
Take control of your financial future with Kamoa's CRB feature. You can access your Creditinfo report directly through the Kamoa app, making it easier than ever to understand and track your creditworthiness. Get your first report free each year, with convenient M-PESA payments for additional reports—all within your trusted Kamoa app.
EARN
Earn money with Kamoa
Earn money with Kamoa
Kamoa enables you to earn rewards by inviting others to join the marketplace. Once you complete your registration and upload a valid M-Pesa statement, you’ll receive a unique referral code. You can share this code with others, and for each successful referral—where the new user signs up using your code—you’ll earn tokens.
Kamoa enables you to earn rewards by inviting others to join the marketplace. Once you complete your registration and upload a valid M-Pesa statement, you’ll receive a unique referral code. You can share this code with others, and for each successful referral—where the new user signs up using your code—you’ll earn tokens.
Kamoa Marketplace
Kamoa Marketplace
Over 600+ Reviews on Google Play
Over 600+ Reviews on Google Play
Meeting the financial pressure of everyday life can be hard. That is why as Kamoa we provide a better way for Kenyans to access affordable loan offers from a range of lenders.
Meeting the financial pressure of everyday life can be hard. That is why as Kamoa we provide a better way for Kenyans to access affordable loan offers from a range of lenders.
Reviews from borrowers just like you
Reviews from borrowers just like you
“After confirming Mpesa statement you receive the money super fast. I love it. Thanks be to almighty God and Kamoa.”
BP Di-Gitech
BP Di-Gitech
“This the best digital loan application, reliable, flexible terms of repayment and very east to navigate through”
Martine
Martine
“It's a good app very fast and
easy to get money”
Mercy
Mercy
Frequently asked questions
Frequently asked questions
What is Kamoa?
Kamoa is a financial credit marketplace. We help individuals and businesses build and take control of their digital credit profile and connect them with trusted local lenders.
What is Kamoa?
Kamoa is a financial credit marketplace. We help individuals and businesses build and take control of their digital credit profile and connect them with trusted local lenders.
What is Kamoa?
Kamoa is a financial credit marketplace. We help individuals and businesses build and take control of their digital credit profile and connect them with trusted local lenders.
What is a TrustScore?
What is a TrustScore?
What is a TrustScore?
How can I improve my TrustScore?
How can I improve my TrustScore?
How can I improve my TrustScore?
How is a TrustScore different from a credit score?
How is a TrustScore different from a credit score?
How is a TrustScore different from a credit score?
How does Kamoa determine my TrustScore?
How does Kamoa determine my TrustScore?
How does Kamoa determine my TrustScore?