Financial Solutions for Every Need

One Platform multiple ways to grow

Customer holding a phone showing the Bayes mobile loan app

Instant mobile lending

Mobile Loans

Need quick cash? Get up to KES 100,000 instantly.

✓Fast and easy loan application.
✓No hidden fees.
✓Simple repayment via Paybill 599862 or the Bayes App.

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Student preparing for international studies with Study Abroad financing

International education financing

Study Abroad Loans

Get the financial support you need to take the next step toward your international education journey.

✓Quick and simple application process.
✓100% financing.
✓Access the funds without having to dip into your savings.

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Smiling driver holding vehicle keys for a logbook loan

Vehicle-backed lending

Logbook Loans

Turn your car into cash. Bayes gives you fast, flexible access to funds using your vehicle as security.

✓Flexible repayment terms.
✓Approval in 8 hours or less.
✓Instant top-up of up to KES 50,000 via the Bayes App.
✓Earn commissions by referring friends and family.

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Driver reviewing loan paperwork before switching providers

Switch & save

Loan Buy-Offs

Thinking of switching loan providers? We make switching simple. We'll settle your existing logbook loan and move you to a better financing solution.

✓No hidden charges
✓Flexible repayment terms
✓Dedicated support throughout the switch.

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Customer shaking hands with a car dealer inside a showroom

Car ownership

Car Financing

Own the car you need today and repay comfortably over time.

✓Competitive interest rates
✓Flexible repayment terms
✓Transparent terms with no hidden charges

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Imported vehicles awaiting clearance at the port

Import & clearance

Import Duty Financing

Finance your import duties with ease. From acquisition to clearance, Bayes supports your entire car ownership journey.

✓100% Duty Coverage
✓Fast Vehicle Clearance
✓Avoid Costly Penalties

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For school directors

Elimisha School Financing

Looking to grow your school or improve daily operations? Elimisha loans provide tailored financing for school directors to expand infrastructure, pay staff on time, and invest in learning resources without cash flow stress.

✓Affordable interest rates
✓Flexible repayment terms
✓Staff can access Insta Salo

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Employees talking together in a bright office

Salary Advance Partnerships

Insta Salo

Empower employees with instant access to up to 2/3 of their salary at affordable interest rates.

✓Instant Disbursement: Funds sent directly to employee's account.
✓Simple App-Based Requests: No paperwork or delays.
✓Flexible Repayment Periods: Repayment period 1 - 6 months.

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Business partners discussing financing around a laptop

Partner APIs

Buy Now Pay Later (BNPL) Partnerships

Offer buy now, pay later to your customers while you get paid upfront, all through easy API integration.

✓Customers pay over time
✓Merchants get paid upfront
✓Easy API integration

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Confident small-business owner working at her desk

Inventory Financing

Bayes Inventory Finance

Keep your business stocked and growing. Bayes helps SMEs access inventory financing to purchase goods immediately and manage repayments with ease.

✓Competitive interest rates
✓Improved cash flow and reduced financial strain
✓Flexible repayment periods

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