Bayes is a free finance app developed by Pi Capital Ltd, available on Android. The app offers a range of services including getting a loan, sending money, paying utility bills, buying airtime, paying merchants, and more.

One of the most significant features of Bayes is its loan service. The loan rates vary based on the borrowed amount, with a loan charge of 30% of the principal amount. The repayment period ranges from 90 to 180 days, and the APR ranges from 30% to 120%. For instance, if you borrow $1000 at 30% for 90 days, you will repay $1300 after 90 days. Bayes provides a simple and easy-to-use interface for availing of these services.

Overall, Bayes is an excellent app for anyone looking for a comprehensive finance app. It is simple to use, and its loan service stands out as one of its most notable features. If you need a reliable finance app, Bayes is definitely worth checking out.