Approved in minutes

Flexible financing for every
stage of life.

From instant micro-loans for emergencies to substantial capital for your business expansion. Discover the product that fits your needs.

Salary Loan

Salary Advance

Don't let mid-month expenses derail your plans. Get up to 50% of your net salary in advance, processed instantly and deducted automatically from your next paycheck.

Eligibility

  • Employed > 3 months
  • Salary account holder

Terms

  • Up to K 50,000
  • 30 days tenure
SME Loan

SME Business Loans

Fuel your business growth with capital for inventory, equipment, or expansion. We offer flexible collateral options and rates tailored to your business turnover.

Eligibility

  • Business Reg (PACRA)
  • 6 months trading

Terms

  • Up to K 500,000
  • 3 - 24 months
Mobile Loan

Mobile Micro Loans

No paperwork, no queues. Access instant cash directly from your phone using USSD (*888#) or our App. Perfect for small emergencies and quick stock top-ups.

Eligibility

  • Active Mobile Money
  • Good repayment history

Terms

  • K 50 - K 5,000
  • 1 day - 1 month
Agri Loan

Agri-Flex Loans

Designed for the farming cycle. Get capital for seeds, fertilizer, and equipment at the start of the season, and repay when you harvest.

Eligibility

  • Owns/Leases land
  • Farming track record

Terms

  • Seasonal repayment
  • Crop insurance included

How to Apply

Our process is fully digital, but our support is personal. Get started in 4 simple steps.

1

Register

Dial *888# or download our app. Create your profile with your NRC/ID.

2

Select Loan

Browse available products. Our AI will show you what you qualify for.

3

Verify

Upload basic documents or complete facial verification instantly.

4

Disburse

Sign digitally and receive cash in your Mobile Money wallet or Bank Account.

Frequently Asked Questions

How long does approval take?
For Mobile Micro Loans, approval is instant (under 60 seconds). For SME and Salary loans, it typically takes 24 hours once all documents are submitted.
Do I need collateral?
Mobile Micro Loans and Salary Advances are unsecured (no collateral needed). SME Loans above K 50,000 may require collateral such as vehicle logbooks or landed property, depending on your risk profile.
How do I repay my loan?
You can repay via USSD (*888# option 3), within the Mobile App, or by depositing cash at any Liberty Credit branch or partner agent. Salary loans are deducted automatically.
Can I top-up an existing loan?
Yes! If you have paid back at least 60% of your existing loan and have a good repayment history, you are eligible for a top-up loan.

Need help choosing?

Our financial advisors are ready to help you structure the best loan for your business or personal needs.