Africa's first user-powered financial marketplace

Africa's first user-powered financial marketplace

Africa's first user-powered financial marketplace

Kamoa helps individuals and small businesses grow their credit profile and find the best funding for their needs.

Kamoa helps individuals and small businesses grow their credit profile and find the best funding for their needs.

Kamoa helps individuals and small businesses grow their credit profile and find the best funding for their needs.

Make A Better choice with

Kamoa

Make A Better choice with Kamoa

Community

Connect with other people who are building their way to financial wellbeing

Choice

Choose the loan right for you from a variety of lenders

Control

Take control of your financial profile and improve your future

Affordability

Access cheaper loans with better terms as you build trust

Take Control of your

Credit Profile

Take Control of your Credit Profile

Take control of your credit profile and present your best self to to a range of fair, affordable lenders across Kenya.


Make one application on the Kamoa app and access the full marketplace of lenders. Choose the best offer for you with transparent loan details and terms.


Access tools to help you manage your finances and earn extra cash through your own social network.

Take control of your credit profile and present your best self to to a range of fair, affordable lenders across Kenya.


Make one application on the Kamoa app and access the full marketplace of lenders. Choose the best offer for you with transparent loan details and terms.


Access tools to help you manage your finances and earn extra cash through your own social network.

Countries we Are

Available in

Countries we Are Available in

Kenya 🇰🇪

Kenya 🇰🇪

Use our revolutionary mobile app to build your digital credit profile and Kamoa will match you with the right loan from our panel of trusted lenders.

Use our revolutionary mobile app to build your digital credit profile and Kamoa will match you with the right loan from our panel of trusted lenders.

Learn More

Learn More

Nigeria 🇳🇬

Nigeria 🇳🇬

Find fair, affordable funding for your business today and tomorrow.

Find fair, affordable funding for your business today and tomorrow.

Learn More

Happy Customers are

our true wealth

Happy Customers are

our true wealth

It's the best App I have ever used. It helped to acquire very quickly even though I didn't get exact amount I needed. Thank you Kamoa

J

Joseph Omondi

It's the best App I have ever used. It helped to acquire very quickly even though I didn't get exact amount I needed. Thank you Kamoa

J

Joseph Omondi

It's the best App I have ever used. It helped to acquire very quickly even though I didn't get exact amount I needed. Thank you Kamoa

J

Joseph Omondi

After confirming mpesa statement you receive the money superfast. I love it. Thanks be to almighty God and Kamoa.

B

BP Di-Gitech Ectronics Kenya

After confirming mpesa statement you receive the money superfast. I love it. Thanks be to almighty God and Kamoa.

B

BP Di-Gitech Ectronics Kenya

After confirming mpesa statement you receive the money superfast. I love it. Thanks be to almighty God and Kamoa.

B

BP Di-Gitech Ectronics Kenya

It's a good app very fast and easy to get money

M

Mercy Mwalm

It's a good app very fast and easy to get money

M

Mercy Mwalm

It's a good app very fast and easy to get money

M

Mercy Mwalm

The Lenders We currently

work with

The Lenders We currently work with

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 a TrustScore

What is a 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 does Kamoa determine my TrustScore?

How does Kamoa determine my TrustScore?

How do I get a loan?

How do I get a loan?

Why have not recieved a loan offer?

Why have not recieved a loan offer?

Is Kamoa a lender?

Is Kamoa a lender?

How does Kamoa help me improve my score?

How does Kamoa help me improve my score?

Why has my Kamoa TrustScore gone down?

Why has my Kamoa TrustScore gone down?

What can I do to prevent my score from dropping?

What can I do to prevent my score from dropping?

Is my data safe with Kamoa?

Is my data safe with Kamoa?

More FAQ

More FAQ

Embrace a brighter financial future with Kamoa , Starting Today

Kamoa's innovative approach to digital credit scoring and personalised finance solutions empowers individuals and businesses to achieve their money goals with confidence.

Experience a new level of growth and security as you embark on your journey towards financial stability and prosperity.

Embrace a brighter financial future with Kamoa , Starting Today

Kamoa's innovative approach to digital credit scoring and personalised finance solutions empowers individuals and businesses to achieve their money goals with confidence.

Experience a new level of growth and security as you embark on your journey towards financial stability and prosperity.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.

KAMOA APP Ltd is a company incorporated and registered in Mauritius with company number 192016 and its registered office address is at c/o Ocorian Corporate Services Limited Wall Street Level 6, Tower A, 1 Exchange Square EBENE.

Kamoa is not a lender

We help users find the best loans available to them.

The lenders on the Kamoa platform offer loans from 500 Ksh to 1.5m Ksh or from 1,500 Nairas to 5m Nairas. Loan terms range from 9 weeks to 10 years. Interest rates range depending on product and lender, with a maximum daily interest rate of 0.8% (0.48% per day representative)

Interest rates vary depending on a number of factors including your repayment history. All interest rates are presented to users of Kamoa via a payment schedule and on the pre-agreement, before any loan agreement is made. There are no additional fees associated with the loans Kamoa lenders make available on the app.

Representative example: If you borrow Ksh 2,000 Over 9 weeks At 0.48% per day (174% APR), you would make nine repayments of Ksh 233,35 per week. You would repay Ksh 1600.52 in total. The total cost of credit Would be Ksh 600.52. Kamoa is a free service and there are no additional fees for users.