With Umba, you can easily apply for a loan, drawdown, and repay directly from your smartphone.

How can I get started?

1. Download the app.

2. Choose a loan amount.

3. Select the repayment term.

4. Select the loan interest rate.

5. Fill in your details.

6. Submit the application.

What can I use the money for?

You can use the money to pay bills, buy goods, or for any other purpose you like. The money is disbursed to your M-Pesa account immediately.

Is there a referral program?

Yes, there is a referral program. For every friend you refer to Umba, you get N250. You can also refer your friends and family to the Umba app.