Fast, fair credit for individuals and businesses
From emergency loans sent to M-Pesa in 30 minutes to financing that grows your business, Sterling Credit closes the gap between where you are and where you want to be.
- Funds in 30 minutes via M-Pesa
- KES 5,000 – 1,000,000
- Flexible 1 – 36 month terms
- Disbursement≈ 30 minutes
- Repayment1 – 12 months
- Paid toM-Pesa
Financial solutions for every need
Tailored, accessible credit for salaried individuals, small businesses and households.
Personal Loans
Financial needs can arise unexpectedly. Emergency loans and salary advances, fast and hassle-free.
SME Loans
Helping small businesses grow and thrive, from daily expenses to expansion plans.
Asset-Based Loans
Unlock the value in your assets. Logbook loans and trade finance to expand your business.
Climate Smart Loans
Finance solar, clean cooking, biogas and water storage for your home or farm.
60% women
Credit that moves at the speed of life
We are a non-deposit-taking microfinance institution dedicated to bridging financial gaps. We started with a small office and 10 clients, and today we serve thousands of clients across Kenya.
More about usFast disbursement
Personal loans sent within 30 minutes via M-Pesa.
Best market rates
Competitive interest rates with flexible repayment options.
Flexible terms
Repay over 1 to 36 months, depending on the product.
Minimal paperwork
Apply online and upload your documents in minutes.
Finance with purpose
Financial inclusion
Serving marginalized and underserved communities.
Empowering small businesses
Providing financial services that help SMEs grow.
Financial literacy
Educating clients to make better financial decisions.
Sustainability
Financing climate-smart solutions for homes and farms.
From our blog
Driving Financial Inclusion in Kenya: The Role of Sterling Credit Limited
Access to affordable credit remains one of the biggest barriers to opportunity for many Kenyans. Here is how Sterling Credit is helping close the gap.
Read more SMEsEmpowering SMEs: Fueling Growth and Economic Development
Small and medium enterprises are the backbone of Kenya's economy. The right financing at the right time can turn a struggling business into a growing one.
Read moreReady to get started?
Apply online in minutes, or talk to our team on +254 790 222 000.