Your Bridge To Better

Financial Future

Kamoa connects user with Africa's leading lenders in one marketplace. Get personalized loan offers and build your credit profile, all at your fingertips.

For Lenders

What we offer to users

Borrow

We maintain a marketplace of loan products from certified lenders: loans for individuals and SMEs,  salary and logbook loans, car, device and e-bike financing.

Grow

We provide our users with personalised recommendations, to help them improve their financial habits and increase their chances to access credit

Earn

users can monetize our app by earning tokens for engaging often with the app and referring new users to us. the tokens can be withdrawn in cash.

What we offer to Lenders

Lead generation

We help the lenders growing their customer base by connecting them with qualified users. we reduce the cost per acquisition (CAC) by charging upon loan disbursement

Underwriting products

The lenders reduce their credit risk and underwriting costs by consuming our data products: automated financial statement parsing, cash flow analysis,  reporting and scoring

OUR PARTNERS

We work with the best lenders

Earn easy money with Kamoa's refer a friend program

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.

Learn More

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.

Company

About Us

Kenya

Nigeria

Lenders

TrustScore

Refer a friend

Policy

Terms and Conditions Kenya

Terms and Conditions Nigeria

Privacy Policy Kenya

Privacy Policy Nigeria

Delete my data

Frequent Asked Questions

Your Data

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.