Get up to
KSh 100,000
Sent Straight to Your M-PESA
No paperwork. No hidden fees. Licensed by the Central Bank of Kenya. Apply in minutes, get approved instantly — built for Kenyans who deserve fast, fair credit.
Why Choose ChapMali
Get timely loans directly to your M-Pesa. Enjoy flexible repayments with clear terms, designed for your life in Kenya
Swift & SeamlessGet your loan decision in minutes, not days.
We operate under the regulation of Kenyan financial authorities, using advanced encryption to keep your data and transactions protected.
Secure & LicensedYour security is our priority.
We operate under the regulation of Kenyan financial authorities, using advanced encryption to keep your data and transactions protected.
Truly MobileManage your entire loan journey from your phone.
Apply for funds, check your balance, and make repayments anytime, anywhere - all through our user-friendly app.
Products & Services
Transparent lending designed for Kenyans — flexible amounts, clear rates, and full regulatory compliance.
Flexible Loan Amount
Borrow what you need, when you need it
From emergency expenses to business needs, choose the amount that fits your life. Limits grow with timely repayments.
Select any amount within the range. Repay on time and your limit can grow up to KSh 100,000 over time.
Transparent Interest Rates
Clear rates, no hidden surprises
No hidden charges. Annual Percentage Rate ranges from 9% to 36%, with daily interest as low as 0.02%. You always know what you owe.
All fees are disclosed upfront before you borrow. No surprise charges — ever.
Fast & Flexible Terms
Quick disbursement, flexible repayment
Choose a repayment period from 91 to 365 days. Early repayment is always welcome — no penalty fees.
Pick a term that works for your budget. Once approved, funds are sent directly to your registered account fast.
Licensed & Regulated
Fully licensed, fully protected
ChapMali is a licensed digital lending platform. Your data is protected under Kenya's data privacy regulations and ODPC guidelines.
We are registered with the Office of the Data Protection Commissioner (ODPC) as a data controller. Your privacy is our legal commitment.
How to Apply for a Loan
Download the App
Get the ChapMali app from Google Play for a quick and secure start.
Submit Your Details
Provide your basic information through our encrypted verification system.
Submit for Approval
Send your loan application for our system's immediate assessment.
Withdraw & Build Credit
Withdraw your funds after approval - timely repayments will help improve your credit limit.
How to Apply for a Loan
Download the App
Get the ChapMali app from Google Play for a quick and secure start.
Submit Your Details
Provide your basic information through our encrypted verification system.
Submit for Approval
Send your loan application for our system's immediate assessment.
Withdraw & Build Credit
Withdraw your funds after approval - timely repayments will help improve your credit limit.
What Our Customers Say
What Our
Customers Say
Real stories from real Kenyans who trust ChapMali
Download our ChapMali
Get an instant loan straight to your mobile money account
