Finance for
everyone,
everywhere.
Whether you are a small business owner, a farmer, or an employee, Liberty Credit connects you to instant capital through USSD, Mobile App, or our Branch network.
10,000+ loans disbursed this month.
Products
See allSME Business Loan
Up to K 500,000
Salary Advance
Instant Disbursement
Agri-Flex Loan
Seasonal Repayments
Status
Loan Approved
Core Banking Made Simple
We combine digital speed with physical reach. Access our services however you prefer, whenever you need.
1. Easy Onboarding
Register via *888#, our Mobile App, or visit a local agent. We verify your identity instantly using National ID validation and facial recognition.
- KYC Screening
- Wallet Creation
2. AI Credit Decision
Our proprietary AI Credit Engine analyzes transaction history, behavioral data, and credit bureau scores to approve loans in seconds.
- Risk Scoring
- Instant Eligibility
3. Instant Disbursement
Once digitally signed, funds are sent immediately to your Mobile Money wallet, Bank Account, or available for Cash Collection.
- Digital Signature
- Automated Terms
Tailored financial solutions
Choose the loan that fits your lifecycle. From quick cash flow fixes to long-term business investments.
SME Loans
Capital for stock, expansion, or equipment. Collateral and non-collateral options.
Learn moreSalary Advance
Short-term liquidity for employees. Direct deduction from payroll for convenience.
Learn moreAgricultural Loans
Inputs financing for seeds and fertilizer. Repayment aligned with harvest season.
Learn moreMobile Micro
Small, instant amounts for emergencies. 100% digital via USSD or App.
Learn moreFair decisions powered by Intelligence.
Traditional banking ignores the unbanked. Our AI engine looks deeper—analyzing mobile money history, behavioral patterns, and repayment capability to build a credit score for everyone.
Real-time Processing
Applications processed in under 60 seconds.
Fraud Detection
Pattern recognition stops identity theft before it starts.
APPLICANT_ID: #83921
Credit Risk Assessment
Affordability Score
92/100
Repayment Probability
98.5%
Mobile Money Velocity
High
Network Stability
Verified
Ready to grow your business?
Join thousands of customers who have unlocked their potential with Liberty Credit. Fast, fair, and flexible loans.