Tip Point Capital

Personal Credit Line Terms
Our personal credit line offers flexible and transparent short-term financing designed to meet your financial needs quickly and securely.

Credit Limit:
Borrow any amount from KSh 5,000 to KSh 50,000.

Repayment Period:
Minimum: 60 days
Maximum: 365 days

Interest Rate:
Annual Percentage Rate (APR): 12% to 36% per annum, depending on the loan amount, repayment duration, and your risk profile.
Daily Interest Rate: 1% per day on the borrowed amount.
Maximum APR: 36% per annum.

Interest Deduction:
Interest is deducted upfront, and the borrower repays the full principal amount at the end of the agreed period.

Example
If you borrow KSh 10,000 at a 1% daily interest rate for 60 days:
🧾 Interest: KSh 10,000 × 1% × 60 = KSh 6,000
💰 Amount Disbursed: KSh 4,000 (after deducting interest)
💸 Total Repayment: KSh 10,000 after 60 days

Late Payment Policy:
Late repayments may attract a fee of up to 0.5% per day on the overdue balance, in accordance with applicable laws and fair lending practices.

We are committed to responsible lending. All credit decisions are made transparently, and no hidden fees or charges apply.