Welcome to Mwangaza. By accessing or using our application and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.
Mwangaza provides digital credit services including 30-Day Cash Advances (up to KES 250,000), Term Loans (up to KES 1,000,000), and Buy Now Pay Later (BNPL) facilities (up to KES 1,000,000). Loan disbursements are sent to your M-Pesa account, and repayments are processed via our official M-Pesa Paybill account.
To use our services, you must be at least 18 years old and a resident of Kenya with a valid government ID and registered M-Pesa line. You are responsible for maintaining the confidentiality of your account credentials.
All loan fees, interest rates, and due dates are disclosed clearly prior to loan acceptance. Late payments may attract default interest and affect your future credit limit.
Mwangaza shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use our credit services.
These terms are governed by the laws of the Republic of Kenya.