You can borrow a minimum of Ksh. 10,000 and a maximum of Ksh. 300,000.

1. Apply by filling the appropriate application form on the website 
2. We will check to see how much you qualify for.
3. If you qualify for a loan we will send the loan offer containing the loan details to your email for you to review and execute.
4. Once you accept the terms we will send the cash to your preferred account i.e. bank account or Mpesa.

We charge 6% flat rate monthly interest.

Yes we charge a processing fee that is deducted upfront.

Yes, we check your CRB information. This helps us to understand your current financial commitments and how you have serviced other loans in the past. It also means that if you default on your loan with us, we have the duty to negatively list you on CRB which may impact your eligibility for other financial products with other lenders.

No you do not need a guarantor.

Unfortunately we cannot lend to you without the cheques. You can easily apply for cheque book from your bank. Ensure the cheques are from your salary account.

As a responsible lender, we take adequate care in all phases of our credit process to determine that our clients have the capacity to repay without becoming over-indebted. Unfortunately this may also mean that sometimes you will only qualify for a smaller loan than you expected.

Yes we will. We value transparency. As a responsible lender, we will disclose all the information regarding your loan to you and send a loan agreement containing all loan details plus the repayment schedule to your email before activating your loan. We will only proceed once you are ok with all the terms and conditions and with your express consent.

Yes you can apply for a top-up loan after paying at least one installment.

If you have successfully paid off one loan with Pivot Finance, the next time you apply you may enjoy higher loan limits and lower interest rates.

Mpesa Paybill Number: 

Account Number: Your National ID Number