Fast, fair lending
Get the loan you need, approved by real people.
ElShadai connects you with a loan officer who understands your situation. Every request is reviewed and approved before any money moves — so you always know exactly where you stand.
No hidden fees · Clear approval process · Real support from real people
How it works
Four steps from application to funds in your account.
-
1
Apply with an officer
Visit a branch or meet your loan officer, who enters your details and the loan you need.
-
2
We review your request
Your application, documents and terms go to an admin for a full review.
-
3
You get a decision
Approved, rejected, or sent back for more information — you'll always know the status.
-
4
Funds are disbursed
Once approved, your funds are released and repayment terms are confirmed.
Loan products
Pick the product that fits what you need right now.
Business loan
Working capital to stock up, expand or bridge a slow month.
KES 1,000 – 500,000
Up to 24 months
12% flat interest per year
Emergency loan
Quick cover for unexpected costs, reviewed as a priority.
KES 1,000 – 50,000
Up to 6 months
15% flat interest per year
Asset loan
Spread the cost of equipment or tools your business needs.
KES 1,000 – 1,000,000
Up to 36 months
14% flat interest per year
Why borrowers choose ElShadai
Built on transparency, not guesswork.
Transparent approval
Every request is checked by an admin before funds move — no automated black box.
Local loan officers
You apply with someone who knows your community, not a form on a screen alone.
Full visibility
Track your request from submission to disbursement, every step of the way.
Running a branch?
Manage loan officers, approvals and permissions from one dashboard.
Frequently asked questions
Who can apply for a loan?
Anyone registered as a client through one of our loan officers. Visit a branch to get started.
What documents do I need to apply?
Your national ID (front and back) is required. Your loan officer may also ask for recent M-Pesa statements or payslips, and the details of a guarantor.
How long does approval take?
Once your loan officer sends your request, an admin reviews it — usually within a couple of working days. If anything is missing we'll ask for it, and we'll text you when your loan is approved and when the money is sent.
Is my information kept secure?
Yes. Only the staff handling your loan can see your details and documents, every access is recorded, and we follow Kenya's Data Protection Act. Read our privacy notice for the details. Privacy notice →