top of page



what is smart kiosk

a prequalified credit limit of up to 140,000KES*


how do i enroll

Click here or send a WhatsApp message ‘sema’ through your phone to 020 2500081
(Ensure you use your WhatsApp number which MUST also be your m-pesa number)
our 24/7/365 robot (Asha 🤖) is waiting to guide you


do i require to install an app

No. 😎

Registration + obtaining credit is done through your smart kiosk registered WhatsApp number with us


i don't have a safaricom

m-pesa number ☹️

you will not be able to use our services

you need to have been using your mobile money account for at least 24 months (ACTIVELY !)


will my account performance be shared with credit reference bureau's (crb)?

we share all your positive and negative  loan performance details with crb.

build a good credit profile by borrowing and settling your loans on time


how long before i get my credit limit

If you have submitted correct & verifiable details (including your 24 months m-pesa statement correctly using the procedure we have provided, you can expect a decision between 5 min and 48 hrs (Working days & hours only)  from the  time your m-pesa statement is successfully submitted to us and you receive a confirmation on the same.

If there a technical error, you will be notified via SMS & we aim to have a decision within 48 working hours.

Please feel free to contact us through our helpline 0791578693 during working hours and days


IF i qualify for a loan, how much can i get ?

1,001 to 140,000 KES


can i be considered for a loan in future if i don't qualify now?

YES . kindly submit your 24 months statement for an automatic credit limit review after the stipulated duration (4 months)


How can i repay my loan ?

From your smart kiosk Whatsapp menu select My Profile > Loan > Repay Loan.

You will receive an authorisation request from safaricom to enter your mpesa PIN.

You can also make repayment via mpesa paybill - 4066267 , account number - "Your KENYA ID NUMBER"


Is Smart Kiosk licensed to provide digital loans?

We are licensed to provide digital credit by the Central Bank Of Kenya.

Smart Kiosk is a registered trademark for Kweli Smart Solutions LTD


why should i submit my

m-pesa statement?

We use your statement to score you for a loan, determine your inflows and outflows and to analyse your spending patterns.

Without your mpesa statement we cannot provide you a credit limit nor verify you.


can i use 'My Safaricom App' to request & send the statement to smart kiosk ?


only statements received using the laid down process will be processed here

Other statements received through other channels will be discarded including those sent via safaricom shops or those sent to us directly from your email address


am getting the message:

- We could not process your mpesa statement with a recently supplied code....... 

If you have followed the procedure on how to send us your statement correctly.
Allow at least 15 minutes before resubmitting the latest code sent to you by mpesa.
Also ensure you did not forward to send your statement to us directly.

- Your request for full statement was successful. However there are no records found for the specified period.

You may need to retry after afew minutes. NOTE this is beyond our control


i have more than

one m-pesa number

We recommend you register with the one you use to transact most with


is there any discount or rebates for early repayment ?

no. always select a suitable repayment schedule


how much will i pay ?

click here >> to view our rates

your loan offer document  (sent to your registered email) will contain the exact loan costs + terms & conditions

bottom of page