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CPactPEER-TO-PEER LENDING
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Peer-to-peer lending in Kenya

Borrow with
a plan.Lend with clarity.

Connect with borrowers and lenders, agree on the details, and keep repayments in view. One place for the whole agreement.

Create your account See how it works

Funding is subject to lender approval.

CPact / A closer lookExample
LOAN REQUEST

A little room to grow.

Stock for a small business

KES 25,000

Requested amount

Loan term
3 months
Repayments
Monthly
Next step
Lender review
Review the terms before you agree.

Illustrative preview. Actual rates, fees and terms are shown in your quote.

It starts with an agreement.

Clear terms. A shared record.

Made for the people on both sides.

Identity checks
Documented agreements
Payment records

THE PROCESS

From a request
to a repayment.

Good lending needs more than a handshake. Start with the details, and keep them with you.

  1. 01

    Start with who you are.

    Choose an individual, business or SACCO account and complete your identity verification.

  2. 02

    Find the right fit.

    Create a loan request or a lending offer. Review the amount, duration, repayments and fees before agreeing.

  3. 03

    Keep the details in view.

    Follow your agreement, payment receipts and repayment schedule from your account.

YOUR AGREEMENT, TOGETHER
Loan agreementTerms
Repayment scheduleDates
Payment receiptsRecords

Illustrative records preview

LESS GUESSWORK

Know what you agreed.
See what comes next.

Amounts, due dates and payment confirmations shouldn’t be scattered across conversations. Keep the important details in your account.

  • Revisit the terms of your agreement.
  • Follow your repayment schedule.
  • Check receipts for confirmed payments.
Make a start

YOUR KIND OF ACCOUNT

For people.
For businesses.
For communities.

The same clear process, with an account that fits who you are.

Individuals

Borrow or lend under your own verified identity.

Businesses

Keep your business funding and lending activity together.

SACCOs

Participate through an authorised cooperative account.

BEFORE YOU BEGIN

A few good
questions.

Need something else?
Talk to us

How does peer-to-peer lending work?

Borrowers request funding and lenders decide which requests to support. Both sides agree on the loan terms before funding. A request does not guarantee approval or funding.

Can I choose how long to borrow for?

CPact supports loan terms in days, weeks and months. The available duration and repayment options depend on the request or lending offer. Review the full schedule before agreeing.

Will I see the fees before I commit?

Applicable fees are shown in your quote or transaction summary before you submit or confirm. Your agreement records the loan terms. Always review both before proceeding.

How do I keep track of repayments?

Your account brings together repayment schedules, loan status and recorded payments. You can revisit your agreements and transaction history whenever you need the details.

YOUR NEXT STEP

Start with
a clear plan.

Get started

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