instant liquidity · no forms

Loans up to KES 10M
at 10% flat interest

Via M-PESA, bank transfer or cash. You reach out – we deliver.

10%
flat rate (no hidden)

24h
typical payout

Understanding your 10% loan

Interest explained

Flat rate 10% – interest on principal.
No processing fees, no early penalties.
Example: borrow KES 50,000 → repay KES 55,000.
Tenure: 1–12 months (negotiable).

Why no form?

Personal relationships, not algorithms.
Skip paperwork — just message or call.
Your data stays private.

Sample repayment (principal + 10% flat)

Loan (KES)	Total repayment	Typical use
10,000	11,000	Emergency / stock
50,000	55,000	Business supplies
250,000	275,000	School fees
1,000,000	1,100,000	Expansion
5,000,000	5,500,000	Asset purchase
10,000,000	11,000,000	Working capital

The Tata Credit process

1. Reach out — WhatsApp / DM. Tell us amount.
2. Agree terms — 10% flat, tenure, repayment plan.
3. Receive funds — M-PESA or bank transfer.
4. Repay with ease — via M-PESA paybill.

Trusted by borrowers across Kenya

I needed capital quickly for my salon equipment. Tata Credit sent the money via M-PESA within 2 hours. Paid back 55k on a 50k loan — transparent and fair.

Faith A.

Salon owner, Thika

As a farmer, I needed funds for seedlings before the rains. The 10% flat rate made it easy to calculate. No hidden fees, just straight talk. Asant sana Tata Credit.

Joseph M.

Farmer, Nakuru

I run a small hardware in Mombasa. Tata Credit gave me 200k at 10% flat — paid in one instalment after 4 months. Flexible and personal. Real people.

Aisha H.

Hardware store, Mombasa

School fees were due and my savings fell short. Tata Credit responded immediately. No long forms, just a quick ID check and funds landed in my bank. True lifesaver.

Isaac O.

Teacher, Kisumu

Frequently asked questions

What documents do I need?

A simple conversation and ID check (photo of national ID) is enough. For larger amounts a brief call to understand repayment capacity.

How fast can I get the money?

Typically 2–4 hours after agreement. M-PESA loans often instant.

Is the 10% rate per month or total?

Flat 10% on principal for the whole loan duration. Not per month.

Can I repay early?

Yes, without penalty. Interest pro-rated for the period used.

Do you lend to small businesses / chamas?

Absolutely. We work with individuals, chamas, schools. Up to KES 10M.

Same-day disbursement

M-PESA within minutes. Bank transfers before 3pm go same day.

Banks we work with

KCB, Equity, Cooperative, NCBA, and most Kenyan banks.

SACCOs & chamas

Group lending available. One contact person.

Privacy first

No CRB checks without consent. Direct lender.

Flexible repayments

Daily, weekly, monthly – we arrange what suits you.

Referral program

Bring a borrower and both get 1% discount. Ask us.

Direct lending, no intermediaries

“I’ve built this company on trust and speed. No forms, no algorithms — just real people helping you grow. One call and the money is yours.”

— Tata Credit, Founder

Three steps to funds

Contact

Message or call. Tell us how much you need.

Confirm

Agree interest (10% flat) and repayment plan.

Get money

Funds sent to M-PESA or bank account.

Loans up to KES 10M at 10% flat interest