Take control of your

credit profile

Take control of your

credit profile

Kamoa is changing the way people in Kenya access credit. 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.

How it Works

How it Works

1

Verify Your Identity

Verify Your Identity

We believe in teamwork and boundary-crossing problem-solving to overcome challenges together.

We believe in teamwork and boundary-crossing problem-solving to overcome challenges together.

2

Upload Statements

Upload Statements

Share your Mpesa or bank statements to give lenders a clear, accurate and up-to-date picture of your current financial situation.

3

Get your TrustScore

Get your TrustScore

See how your data is used to assess your creditworthiness and use your Kamoa TrustScore to apply for the best loans for your needs.

Making credit accessible

to everyone

Making credit accessible to everyone

Kamoa works with individuals, credit bureaus and a panel of trusted digital lenders to ensure everyone has a fairer way to access the right credit for them

We aren't a lender. Instead we help you build your profile and access affordable credit solutions over time by showing lenders the real you.

Build your way to better credit and take control of how lenders view you and your ability to borrow and repay.

Build your way to financial freedom

Build your way to financial freedom

Build your way to financial freedom

Using real, up-to-date and verified data, we provide lenders with an accurate and unfiltered picture of Kamoa customers' current circumstances, building trust between borrowers and lenders.

Using real, up-to-date and verified data, we provide lenders with an accurate and unfiltered picture of Kamoa customers' current circumstances, building trust between borrowers and lenders.

Using real, up-to-date and verified data, we provide lenders with an accurate and unfiltered picture of Kamoa customers' current circumstances, building trust between borrowers and lenders.

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

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.

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.

Company

About Us

Kenya

Nigeria

Lenders

TrustScore

Refer a friend

scalable technology

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.

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

scalable technology

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.

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

scalable technology

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.