verified Licensed and Regulated by CBK

Your Reliable Partner – Quick Loans to Help You Thrive

Instant M-Pesa • Fair Terms • Growing Together with Kenyans. Access capital that moves at the speed of your life.

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payments

Instant Transfer

M-Pesa Ready

Process

Three Steps to Prosperity

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Register

Sign up in minutes with just your ID and mobile number. No paperwork required.

01
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Apply

Choose your loan amount and repayment period. Get an instant decision.

02
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Receive

Funds are disbursed directly to your M-Pesa wallet within seconds of approval.

03
Why Radi?

Designed for Your Growth Journey

We provide more than just credit. We provide a platform for Kenyans to build a stronger financial future together.

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Achieve more

Flexible limits that grow as you repay, giving you the boost you need for business or personal goals.

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Build credit

Every timely repayment helps improve your financial standing within our growing ecosystem.

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Trusted community

Join a network of thousands of Kenyans thriving through responsible credit and shared success.

Valuable Feedbacks

See how we're helping people grow across the country.

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Portrait of Sarah, a businesswoman in Nairobi
Sarah

Nairobi

"Radi helped me expand my small shop – now growing stronger! The process was so fast I couldn't believe it."

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Portrait of David from Mombasa
David

Mombasa

"The fair terms made all the difference. I managed to fix my delivery bike and increase my daily income by 40%."

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Portrait of Grace from Kisumu
Grace

Kisumu

"Radi Credit feels like a partner, not just a lender. They understand our local context and empower us to thrive."

Help Center

Frequently Asked Questions

Quick answers about loan amounts, approvals, disbursement, and your data rights.

What is the loan amount? expand_more
Loan amounts typically range from KSh 500 to KSh 100,000, depending on your application details, credit profile, and repayment ability. The system automatically assesses this. First-time loans are usually smaller, and timely repayments can gradually increase your limit.
How do I apply for a loan? expand_more
  1. Download the app.
  2. Register with your Kenyan mobile number and log in.
  3. Follow the prompts to fill in your details and submit the application.
How long does it take to get a decision? expand_more
Most applications are evaluated within a few minutes. If approved, funds are usually disbursed within 1–2 hours, and no later than 24 hours.
How do I receive the loan? expand_more
After approval, confirm the loan offer in the app. Funds are sent directly to your M-Pesa or linked bank account. We will send a notification once the transfer is complete. Interest starts accruing from the day after disbursement.
Can I modify my submitted information? expand_more
Due to data protection rules, core details cannot be changed after submission. Please double-check everything before submitting. Contact support if you need assistance.
Can my loan limit be increased? expand_more
Yes. On-time and full repayments improve your credit score. The system regularly reviews accounts and may automatically increase your available limit over time.
If my application is not approved, can I apply again? expand_more
Yes, but you may need to wait for some time. Rejections usually mean current credit conditions are not met. You will be notified when you become eligible to reapply.
Can I cancel my loan application after submitting? expand_more
Once submitted, the application is processed automatically and cannot be cancelled. Contact support as soon as possible if you have concerns.
Why was my application not approved? expand_more
We assess your credit history, repayment ability, and information accuracy. Timely repayments help build better credit for future approvals.
Can I delete my personal data? expand_more
Yes. You can request deletion of your personal data. Please contact our support email: support@radicredit.com, and we will handle your request in accordance with applicable rules.