Fast, flexible loans for individuals and businesses across Africa. Apply in minutes, get funds in hours — no branches, no stress.
We've cut out the complexity. Getting a loan with VumaFunds is faster than making breakfast.
Fill out a short form on your phone or browser. No documents to scan, no branch visits. Takes under 3 minutes.
Our smart credit engine reviews your application in real-time and gives you an answer within minutes — day or night.
Approved funds land straight into your M-Pesa. Use them however you need — no restrictions, no delays.
Whether you need to cover an emergency, grow your hustle, or invest in your future, we have you covered.
Quick cash when life throws a curveball. Covers medical bills, rent, school fees, and more.
Fuel your business ambitions. Stock up, expand, hire, or invest in equipment with flexible terms.
Large-scale financing for established businesses ready to scale up operations.
Apply, manage, and repay from your phone. Built natively for M-Pesa and all major mobile money platforms.
Your data is encrypted end-to-end. We're licensed and regulated, so your money and identity are always protected.
Emergencies don't respect office hours. Apply and receive funds any time — midnight on a Sunday? No problem.
We look beyond traditional credit history. More people qualify with our inclusive, data-driven approach.
Regulated by the Central Bank of Kenya for your protection
Your financial data is always secured and private
Direct integration with Safaricom M-Pesa ecosystem
Expanding access to fair credit across the continent
Join over 50,000 Kenyans who've already taken control of their finances with VumaFunds. Fast, fair, and built for you.