How our Smart Digital Loan works

Fast application and quick decisions

Fast application and quick decisions

Kes 2000- 500,000

Loan limits from Kes 2000- 500,000

Ongoing access to credit

Ongoing fast access to your available credit, once you’re eligible you can apply to access your available credit via the Member’s Area for a quick decision.

Tailored to suit you

Repayments that match your financial situation, debited to match your pay cycle to make things even easier.

Apply for your fast Smart Loan in 3 easy steps

Complete a fast easy online application

Fill out a simple form that tells us about your income and other financial details.

Use our automated service to supply us with your bank statements instantly!

All applications are subject to responsible lending criteria.

Watch our clever loan engine work its magic

Sit back and relax while our clever loan engine checks your credentials.

Let it work out your credit limit and a maximum repayment amount that suits you.

Read and review your contract (you’ll be amazed at how fast we are!).

Get your money nice and quick (woop woop!)

Receive your cash within 24 hours of approval if you've accepted your contract.

Progress Tracker

Track your progress with our app.

Diam vestibulum tristique non purus velit dictum vel aliquam id egestas odio tortor volutpat nulla varius aliquam vulputate commodo mus volutpat pretium, quam hendrerit enim aliquam nisl imperdiet vivamus a, consectetur venenatis vivamus quam in vulputate lacus, lacus nec.

Smart Notification

Never miss your fitness routine.

Proin massa odio amet tellus dignissim condimentum in viverra eget rhoncus, adipiscing eget ut donec vel enim, ultrices vestibulum nisl vel blandit dui enim hac sed a at laoreet eget sagittis dictum.

Fun, Varied Workout

Never get bored on the way to reach your goal.

Diam vestibulum tristique non purus velit dictum vel aliquam id egestas odio tortor volutpat nulla varius aliquam vulputate commodo mus volutpat pretium, quam hendrerit enim aliquam nisl imperdiet vivamus a, consectetur venenatis vivamus quam in vulputate lacus, lacus nec.

Loan refinancing

If you have a personal loan or a balance on a credit card consider loan refinancing. With the right loan you could save on interest costs and pay off your balance sooner.

Car loan

Time to help the kids out with a run around? Get cash for the seller and then pay the loan back over time.

Renovation loan

Whether it’s a fresh lick of paint, upgrading your kitchen or adding air conditioning, our Personal Lending products can make it happen.

Travel loan

Finance your entire holiday hassle-free from flights, to accommodation and more. Pack your bags and let Citi Ready Credit redefine your travel financing experience.

Medical loan

A financial solution to help manage healthcare costs, allowing individuals to receive necessary care without immediate financial strain.

Emergency loan

Provision of quick access to funds, helping individuals manage unforeseen expenses and maintain financial stability during crises.
Active Users
0 K+
TOTAL LOANS
0 K+
REFERRALS
0 +
APPROVALS/DAY
0 +