About this app

Are you looking for an online loan for air time in Kenya? OkoaCredo is a new alternative for you to borrow emergency airtime loan and payback at 0% interest rates and works on Safaricom, Airtel and Telkom and is cheaper than other loans apps in Kenya.

Apply for a personal air time loan and get a quick loan with a minimum payback period of 90 days. The app is easy to access and mkopo rahisi to payback. Our app also features the timiza a purchase of airtime via MPESA and get a 5% limit increase. Payments via MPESA in Kenya have also been simplified to enable a quick step process via MPESA STK. Airtime purchased or borrowed from OkoaCredo also gets you Bonga Points.

We are cheaper than other loans apps in Kenya. More information can be found by visiting our branch located in Tala and Nairobi.

Our quick loan it easy to access instant credit/loans or Purchases on Safaricom, Airtel and Telkom can easily be accessed via OkoaCredo, anytime, anywhere.

Getting started is as simple as
- Signing up
- Verifying your phone number and instantly start borrowing.
- Quick loan application


Access to our loans is Fast, convenient and reliable.
Access an instant statement to review your spending.

The more you borrow and payback your loan, the more you limit grows GUARANTEED.

HOW TO MAKE A PAYMENT

Payback your loans or purchase airtime via the new and simple MPESA popup. No more cramming MPESA BuyGoods numbers or accidentally paying to the wrong account. With the new MPESA channel, you can pay easily and conveniently via another number.

SIMPLE STEPS TO GET STARTED.

[✔] Install Application
[✔] Sign up with your MPESA phone number
[✔] Start Borrowing/Purchasing.

Note: Our Loans are available in Kenya on Safaricom, Airtel and Telkom networks in Kenya.

DISCLAIMER

We are not related to Safaricom or its subsidiaries in any way. OkoaCredo is a product of OkoaCredo Technologies. Its staff and users are limited by liability.

Loan Terms
OkoaCredo charges a service fee of 0 % per month (APR 0%) of the amount lent to you based on how we rate your creditworthiness. The amount can be repaid within 90 days and the schedule may vary depending on your credit rating. Late fees are not charged and a one time debt collection fee may be charged if your loan is later than 180 days. Additional Terms & Conditions may apply - you may see this on your Loans Page on Okoacredo.

An example is if you borrow Ksh 1,000 for 0% fee for 2.5 days, you will repay Ksh 1,000 within 90 days. There are no penalties for early repayment. If you are late by more than 180 days, a penalty of 1% will be applied to the overdue amount. (Ksh 10) - no further penalties or charges will apply again.

New features

Note: You need 5sh refundable charge for registration. Now you can borrow instantly after registration.

- Reduced size to just 3MB.
- Introducing auto-recharge

App Permissions

Allows applications to open network sockets.
Allows applications to access information about networks.
Allows an application to read the user's contacts data.
Allows access to the vibrator.
Allows applications to change network connectivity state.
Allows an application to receive the ACTION_BOOT_COMPLETED that is broadcast after the system finishes booting.
Allows an app to create windows using the type TYPE_APPLICATION_OVERLAY, shown on top of all other apps.
Allows using PowerManager WakeLocks to keep processor from sleeping or screen from dimming.