Get what you want today and split the cost into easy payments

We’ve partnered with different product financiers to help you buy what you need right now without waiting for payday. Perfect for unexpected expenses or must-have items.

• Log in to a Spotit partner banking app
• Go to Short-Term Loans
• Navigate to Buy Now Pay Later
• Your credit limit (between 20,000 and 350,000 KES) is displayed and is based on your transaction history.
• Depending on your credit limit, you can then make a purchase (either in full or in part payments).

Spotit Partners

• I&M Bank

Extra Charges

• The customer is charged a 2.5% processing fee per sale.

Example Calculation

• Bill: KSh 10,000
• Processing Fee: 2.5% of KSh 10,000 which is Ksh 250
• Total Bill: Ksh 10,250

Loop Flex

• Download the LOOP app from either the Google Play Store or the App Store
• Once installed, open the app and complete your profile registration by providing your personal details and verifying your identity.
• After you complete registration, we automatically enroll you in Loop Flex service without any additional steps needed from you.
• Within 24 hours, you’ll receive a notification on your phone with your approved loan limit, letting you know how much you can borrow through the app.

CHANTEQ

Apple Products Financing

• Browse on our website or visit our physical location and select the Apple product you want (iPhone, iPad, MacBook, etc.)
• Pay 40% of the product’s total price upfront, clear the rest in 3 months.

Requirements

• Valid National ID (copy or photo) 3 months
• M-Pesa statement OR 3 months bank statement