Question 1

How fast will my loan request be approved?

Accepted Answer

First-time users undergo manual verification by our risk officers to satisfy Central Bank regulations. This manual check takes 5-15 minutes. Once approved, or for repeat borrowers, disbursement to M-Pesa is instant.

Question 2

Why did my credit limit not increase after repayment?

Accepted Answer

Credit limit increases depend on repayment timing. Settle early or on the exact due date to improve your score. Late payments, even by a few hours, can impact your limit growth.

Question 3

How do I use the M-Pesa STK Push payment method?

Accepted Answer

Navigate to the Repay Loan section, select STK Push, and click "Request STK". You will receive a secure Safaricom popup on your mobile screen. Enter your M-Pesa PIN to complete payment.

Question 4

Are there penalties for late repayment?

Accepted Answer

Yes, a late fee penalty of 2% per day is applied to the outstanding principal balance. Additionally, defaults are reported to Credit Reference Bureaus (CRB), which restricts future access to credit.

Question 5

Is my personal data secure with CrediPoa?

Accepted Answer

Absolutely. CrediPoa is compliant with the Kenyan Data Protection Act. We encrypt all documents and fingerprints, and we never share your contacts or personal information with third parties without consent.

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