Changa Loan

Jijenge na Changa Loan! Get access to fast, reliable, and affordable business loans sent directly to your M-PESA.

Whether you are a Mama Mboga looking to restock fresh mboga, kitunguu, and matunda from the marikiti, or a Boda Boda rider needing quick cash for fuel, service, or a new tyre—Changa Loan is here to support your hustle. No paperwork, no collateral, and no long queues!

👉 WHY CHOOSE Changa Loan?
• 100% Digital: Apply directly on your phone from your kiosk or stage.
• Real-time Disbursement: Cash is sent straight to your M-PESA in minutes.
• Flexible Repayment: Choose a repayment duration that aligns with your daily or weekly business cash flow.
• Limit Growth: Repay on time to unlock higher limits up to KSh 50,000 and lower interest rates.

📱 HOW IT WORKS
1. Download the Changa Loan App from the Google Play Store.
2. Register with your Safaricom M-PESA phone number and valid National ID (National ID only, 18+ years).
3. View your assigned credit limit and select your loan amount.
4. Receive cash instantly to your M-PESA!
5. Repay easily using our official M-PESA Paybill on or before your due date.

🔒 LICENSED & COMPLIANT
Changa Loan is fully owned and operated by Changa Loan Limited, a Digital Credit Provider (DCP) licensed and regulated by the Central Bank of Kenya (CBK). We adhere strictly to the Office of the Data Protection Commissioner (ODPC) guidelines to keep your data secure. We never access your contacts or call your friends/family.

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📋 LOAN TERMS & RATES (DISCLOSURE STATEMENT)
We practice transparent and fair pricing so you can plan for your biashara with peace of mind.

• Loan Amounts: KSh 1,500 to KSh 50,000
• Repayment Periods (Tenure): Minimum 61 days to Maximum 180 days
• Daily Interest Rate: 0.25% to 0.5%
• Maximum Annual Percentage Rate (APR): 91.25% – 182.5%
• Processing/Access Fee: KSh 0 (No hidden charges!)

🧮 REPRESENTATIVE EXAMPLE:
If a Mama Mboga borrows KSh 5,000 to restock her kiosk with a 90-day repayment plan:
• Principal Amount: KSh 5,000
• Daily Interest Rate: 0.3%
• Total Interest for 90 days: KSh 5,000 × 0.3% × 90 = KSh 1,350
• Total Repayment Amount: KSh 5,000 + KSh 1,350 = KSh 6,350
• Monthly Installment: KSh 2,116.60

Data Privacy:
Changa Loan values your trust. We protect your personal data using world-class SSL encryption. We only use your information (such as transaction SMS history) to verify your identity and compute your credit score. We do not share your information with third parties without your explicit consent.

CONTACT US:
We are always happy to support your hustle!
📍 Office: Akamba Street, 4th Floor, Mambo Towers, Nairobi, Kenya]
📧 Official Support Email: support@changa.loan
📞 Customer Care Hotline: +254 722 199 199 / +254 20 199 1999
🌐 Website: https://www.changa.loan