We are here to help communities with financial assistance that can be trusted.

Loan application Assistance Utunzi uses your answers to the loan application questionnaire as one component of determining your credit worthiness and debt capacity. Please answer the questionnaire correctly & truthfully. Unemployment or level of education will not prevent you from getting a loan but providing inaccurate information might. Loan Approval/Rejection Loan decisions are based on many pieces of information, including income, social media activity, repayment of other loans, M-pesa usage and 10,000 data points. Users provide this information by filling out our in-app survey from which our software builds a personal credit file using complex algorithms. This allows us to provide loans more quickly and to more people in real time than traditional banks. We are providing access to credit to everyone who can afford it Payment Schedule There are no payment fees for paying your Utunzi loan early. In fact, early and on-time payments will help you qualify for longer repayment loans in the future. Missing loan repayments may result in fees, lower loan limits or inability to get a subsequent loan from us as well. You may also be contacted by collection agents if you do not repay your loan on time. In event of a long period of non-payment you may be blacklisted from Utunzi and also reported to relevant Credit Reference Bureaus