1. Who we are

FairLend provides short-term credit to residents of Kenya, disbursed and repaid via M-Pesa. By creating an account or applying for a loan you agree to these terms.

2. Eligibility

You must be at least 18 years old, hold a valid Kenyan National ID, and provide accurate personal and contact details. We may decline any application at our discretion.

3. Loans, interest & fees

Loan amounts range from KES 500 to KES 50,000. The interest, term, processing fee and any late fee applicable to your loan are shown on your loan agreement before you accept. The processing fee is deducted from your disbursement. You agree to repay the total amount shown on your agreement by the due date.

4. Repayment

Repayment is made via M-Pesa to the number shown in your dashboard. Late repayment may incur the late fee stated in your agreement and may affect your eligibility for future loans.

5. Your documents

You consent to us collecting and processing your ID and selfie for identity verification, in line with our Privacy Policy and the Data Protection Act 2019.

6. Responsible borrowing

Only borrow what you can repay. Credit is not free money — the total repayable is always shown up front.

7. Contact

Questions about these terms? Contact us.

These terms are a plain-language summary for the platform. Final regulatory and company registration details will be published here.