What is Chap Mali?

Chap Mali is a smart digital credit service that provides a revolving credit limit, giving Kenyans flexible control over their finances. After a simple registration and application process, your approved funds are sent straight to your mobile wallet.

How much can I borrow?

Your initial credit limit is determined by our smart assessment of your profile. Your limit may be increased based on your repayment behavior and overall creditworthiness over time.

How do I apply for a loan?

Simply download the Chap Mali app from the Google Play Store, complete your profile, and submit your application for immediate assessment.

How long does a loan application take?

Most applications are assessed and approved within an hour. Once approved, the cash is typically transferred to your mobile wallet within minutes.

How do I repay my loan?

To repay, go to the "Bill Details" page in the Chap Mali app, tap "Repay Now," and simply follow the on-screen instructions to complete your payment.

Can I apply for a repayment extension?

Yes, you may apply for an extension. Please note that an additional extension fee will be charged for this service.

What happens if I don't repay on time?

Please be advised that failing to repay on time will result in a one-time late fee. Additionally, further penalties may be applied for each subsequent day of default. To maintain a healthy credit history, we strongly encourage making all repayments by the due date.

Is my data safe with Chap Mali?

Yes. Chap Mali uses state-of-the-art encryption to ensure your data is 100% secure. Your personal information is never sold to third parties. It may only be shared for specific, authorized purposes such as reporting to credit bureaus, as outlined in our Terms and Conditions.

Can I delete my account?

Yes, you can delete your account at any time directly from within the Chap Mali app if you decide to discontinue using our service.