Yes, use the USSD code *218*88#.
Frequently Asked Questions
Everything you need to know about borrowing, repaying and managing your Bayes account.
Yes. We encourage installment repayments as the most convenient and manageable way to repay your loan. You can choose to repay gradually over the loan period instead of paying a lump sum at the end.
- From the app, use the repay button on the loans screen to repay your installment or the full amount.
- You can also use USSD Code *218*88#.
- Alternatively, send the money to our paybill 599862, using your ID number as the account number.
Loan qualification is based on several factors including credit ratings among others. If you do not qualify instantly, we encourage you to try again later. Your eligibility may improve over time as your financial profile is updated. We recommend maintaining responsible financial behavior to improve your chances of approval in future applications.
Kindly reach out to us through Facebook or using the chat feature on our app for further assistance. Alternatively dial *218*88# to access your Bayes account.
Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.
We encourage you to repay early or on time, this will positively contribute to growing your loan limit.
After you create an account we review your borrowing history with other lenders from CRB. Unfortunately, if your score is negative you do not qualify for a loan immediately. We encourage you to try again later. Your eligibility may improve over time as your financial profile is updated. We recommend maintaining responsible financial behavior to improve your chances of approval in future applications.
This is due to poor loan repayment history. If your loan is overdue for a long time you cannot access a new loan immediately. We will notify you via text if you are reconsidered for a loan.