Skip links


Last Updated: July 2021

Terms & Conditions


1.1. Before applying for a “Eneza Biz” loan you should carefully read and understand these Terms and Conditions which will govern the use and operation of the“Eneza Biz” loan.
1.2. If you do not agree with these Terms and Conditions, please click the “Decline” option.
1.3. If you do agree with these Terms and Conditions, please click on the “Accept” option. Clicking on “Accept” confirms that you have read, understood and agreed to abide by these T&C.

2.0 Loan Terms
2.1 In order to request a loan, you must be at least 18 years old and a registered M-pesa subscriber.
2.2 You will need to share with us your personal identification number to verify your identity.
2.3 You will need to share your mobile phone number with us so that we can share information and communicate with you when necessary.
2.4 We reserve the right to reject your loan application
2.5 Funds will be sent to your M-pesa account you included in your application
2.6 You can choose the number of weeks you would like to repay the loan over during the application process.
2.7 You can choose the number of additional weeks you would like as a “grace period,” during which you do not have to make any payments. These apply during any point of time you have an outstanding balance, and you are within the number of weeks chosen in 2.6
2.8 The interest on the loan is a flat 1% of the initial principal amount, payable repayment period.
2.9 The repayment period is weekly – i.e. you are required to make repayments every week.
2.10 You shall repay your loan using M-pesa services through the USSD code.
2.11 You may prepay your balance, in which case you will not be charged interest for weeks you no longer have an outstanding balance for
2.12 There are no other costs, fees or expenses associated with the “Eneza Biz” Loan

3.0 Loan Default
3.1 You will be deemed to be in default if you are taking longer than the number of weeks you chose as your repayment period during your application.
3.2 You will be charged an additional Ksh 25 for every week you have a balance beyond your agreed upon repayment period
3.3. You will be charged this additional Ksh 25 for up to eight weeks after you default
3.4 If you continue to have an outstanding balance after being in default for eight weeks, we will forward your information to the Credit Reference Bureaus (CRBs)

4.0 Miscellaneous
4.1 We will limit the sharing of your information to third parties only if they are involved if related to this product, or as required by law. We will never sell your information.
4.2 If you need to contact us, please use the Mesh platform, call 0730 988008 or email
4.3 You are solely responsible for any losses or damage you suffer from any activity associated with the “Eneza Biz” Loan product; you undertake to indemnify us against any such loss or damage.
4.4 The “Eneza Biz” Loan T&C are governed in all aspects by the Laws of Kenya.