To qualify for a loan, one is required to have the following:
- Original National ID (borrower and one guarantor)
- KRA PIN certificate
- Borrower’s age 18-19 years (must be accompanied by a guardian) 20-65 as normal
- 1 Guarantor (aged 20 years and above)
- Two referees above 18 years old
- A minimum down payment of Kshs 20,000 for motorbike financing and from Kshs 50,000 for tuk-tuk financing
- A Safaricom phone number that is registered for M-Pesa and has been in use for the last 6 months.