The Kamoa Loan App Kenya is a fast-growing digital financial marketplace that connects borrowers to trusted lenders and financial service providers in both Kenya and Nigeria. Instead of lending money directly, Kamoa helps users compare loan offers, access savings tools, and build a stronger financial profile using data-driven scoring.
What Is Kamoa Loan App?
Kamoa is a digital credit marketplace designed to match borrowers with the best financial products based on their profile. The platform uses alternative data, financial statements, and credit signals to help borrowers access fair, transparent, and flexible loan offers from reputable lenders.
Kamoa also empowers users to:
- Compare loan options in one place
- Improve their creditworthiness
- Access savings and financial planning tools
- Receive personalized loan recommendations
Kamoa is not a lender, but a platform that connects borrowers to approved and verified lenders.
Kamoa Partner Lenders in Kenya & Nigeria
Kamoa works with licensed and trusted financial providers, including:
1. Branch Loan App
A global digital lender offering flexible mobile loans with instant M-Pesa disbursement.
2. Bayes Loan App
A fintech lender offering salary-based and personal loan products.
3. Mogo Kenya
A well-known provider of asset finance, including car, boda boda, and logbook loans.
4. M-KOPA
A PAYGO provider that offers device financing and cash loans to registered customers.
5. FactorHouse
A credit provider offering personal and business loans through digital platforms.
Different users may see different lenders based on their credit profile and the documents they upload.
Loan Limits on Kamoa
Kamoa does not set its own loan limits — each lender on the platform determines the amount they can offer you. However, typical loan limits across partner lenders range from:
- Minimum: KES 500 – 1,000
- Mid-range: KES 5,000 – 50,000
- High limits (depending on lender): Up to KES 300,000+
Your exact loan limit depends on:
- Your credit history
- Uploaded MPESA / bank statements
- Repayment behavior
- Income stability
- Lender policies
Interest Rates on Kamoa
Interest rates also depend on each partner lender. Kamoa ensures full transparency, displaying the:
- Interest charged
- Loan tenure
- Total repayment
- Applicable fees
- Exact due date
Typical interest rates across partner lenders range between:
- 1% – 20% monthly (varies widely)
- Some lenders offer daily rates
- Others have APR-based pricing
Always review the terms before accepting any loan offer.
How to Apply for a Loan via Kamoa
Follow these steps:
1. Download the App
Get “Kamoa App – Credit Marketplace” from the Google Play Store.
2. Register Your Account
Sign up using your Kenyan mobile number and basic details.
3. Upload Financial Documents
Provide:
- MPESA statements
- Bank statements
This step significantly increases your chances of receiving better offers.
4. Browse Loan Offers
Kamoa will display offers from different lenders matched to your financial profile.
5. Accept an Offer
Choose a lender and accept the loan. Funds are sent directly to your M-Pesa or bank account by the lender, not Kamoa.
Loan Repayment
Repay your loan directly to the lender, not to Kamoa.
Repayment channels may include:
- M-Pesa Paybill
- App-based repayment
- Bank transfer
- Automatic deductions (depends on lender)
The repayment plan is shown before you approve the loan.
Kamoa Customer Care Support (Kenya)
For platform-related issues, you can reach Kamoa through:
- In-App Support: Available in the Kamoa app
- Email Support: (support@kamoa.app)
- Phone Contact : +254 113746827
For loan-specific issues, contact the lender listed in your loan agreement.
Summary Table: Notable Genuine Loan Apps in Kenya
| Loan App | Loan Limits | Interest Rates | Why It’s Trusted |
|---|---|---|---|
| Kamoa (Marketplace) | Varies by lender | Varies per lender | Connects borrowers to multiple genuine lenders; transparent loan terms |
| Branch | KES 500 – 300,000+ | Varies by profile | Global trusted mobile lender |
| M-KOPA | Customer-specific | PAYGO device-linked | Strong track record in digital finance |
| Bayes | Based on income & documents | Lender-specific | Salary-based and personal loans |
| Mogo Kenya | Up to several hundred thousand | Product-specific rates | Popular for asset financing |
| FactorHouse | Varies | Depends on loan type | Verified digital lender |
Frequently Asked Questions (FAQ)
1. Is Kamoa Loan App legit?
Yes. Kamoa is a legitimate financial marketplace that connects borrowers to verified lenders in Kenya and Nigeria.
2. Does Kamoa give loans directly?
No. They only connect you to lenders. The actual loan comes from the partner lender.
3. How much can I borrow?
You can borrow anywhere from KES 500 to over KES 300,000, depending on the lender and your financial profile.
4. Are interest rates shown clearly?
Yes. Kamoa displays full loan terms and the total repayment amount before you accept the offer.
5. Do I need MPESA or bank statements?
Yes. Uploading statements helps Kamoa match you with better loan offers.
6. How do I contact Kamoa?
Use the in-app support
Email:support@kamoa,app
phone: +254 113746827
Final Verdict
Kamoa Loan App Kenya is ideal for borrowers who want to compare multiple loan offers, receive transparent terms, and build a stronger financial profile. It is especially useful for users who prefer flexibility and want access to a variety of reputable lenders in one place.