Mapato is a free loan app developed by Kewatt, available on Android platforms. This app offers a variety of loan options with a maximum limit of Ksh 80,000 and a low-interest rate of 25% per year (maximum APR). The loan request is available for individuals who are at least 18 years old and above.

The app has several features that make it a convenient option for Kenyan residents. Firstly, no credit report is required to apply for a loan. Secondly, the app is paperless and digital, meaning that users can apply for loans on their mobile phones. Thirdly, the loan disbursement process is fast and efficient, with disbursement to M-PESA directly in 1 minute once approved. Additionally, the loan limit gradually increases as the credit score grows, and users can choose from a variety of convenient repayment methods. Lastly, users can apply for a loan extension if they don't have enough money to repay.