Where borrowing
meets simplicity.
Choose a loan, see exactly what you receive and repay, and apply in minutes. One flat fee, deducted at payout — nothing to pay before you get the money.
from our customers
Join thousands now
+Backing Kenyan businesses and youth
Azura loans reach small business owners keeping their shops running, and young Kenyans building their first credit history.
0+
Kenyan businesses funded, from salons to shops
0%
of applicants are under 30, building credit for the first time
How does it work?
Learn morePersonal loans
Salary advances and everyday cash from KSh 1,000.
Business boost
Working capital to grow your business, up to KSh 99,000.
Fast payout
Apply in minutes and track your review in real time.
The simplest loans in town
Our mission
To make credit fair and clear — every fee and repayment shown before you apply, and never a shilling charged upfront.
Our vision
A place where borrowing helps you reach your goals instead of trapping you, with the fee simply deducted from your payout.
Join thousands reaching their goals with honest credit.
Learn moreApplications received
Disbursed to customers
Customer satisfaction
Average time to apply
Know your numbers before you apply
Move the slider to preview the amount you'll receive after the flat origination fee, your repayment term, and the monthly payment. Every figure here is exactly what appears on your application.
- ✓No payment is ever required before disbursement.
- ✓The fee is a percentage of the loan, capped by band.
- ✓Repayment is the principal only — zero interest.
Loan calculator
No interest- You receive (after fee)
- KSh 860
- Origination fee (14.0%)
- – KSh 140
- Repayment term
- 3 months
- Monthly payment
- KSh 333
- Total repayable
- KSh 1,000
The fee is deducted from your payout. You never pay anything before the loan is disbursed.
Loan products to grow and secure your goals
Select a loan amount
Each offer shows its repayment period and the amount you receive after the flat fee. Pick one to start your application.
- You receive
- KSh 860
- Origination fee
- KSh 140
- Monthly payment
- KSh 333
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 4,300
- Origination fee
- KSh 700
- Monthly payment
- KSh 1,667
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 7,740
- Origination fee
- KSh 1,260
- Monthly payment
- KSh 3,000
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 11,180
- Origination fee
- KSh 1,820
- Monthly payment
- KSh 4,333
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 14,620
- Origination fee
- KSh 2,380
- Monthly payment
- KSh 5,667
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 18,165
- Origination fee
- KSh 2,835
- Monthly payment
- KSh 3,500
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 21,625
- Origination fee
- KSh 3,375
- Monthly payment
- KSh 4,167
Fee deducted at payout. No interest.
Select loan- You receive
- KSh 25,085
- Origination fee
- KSh 3,915
- Monthly payment
- KSh 4,833
Fee deducted at payout. No interest.
Select loanHow it works
Choose a loan
Select an amount and review its repayment period and fee before applying.
Apply online
Complete the short application form with your details. It takes a few minutes.
Track your review
Use your reference or phone number to check the status of your application.
Trusted by borrowers across Kenya
“I saw exactly what I'd receive and repay before I applied. No surprise deductions, no calls asking me to pay a 'processing fee' first — just the loan.”
Grace Wanjiru
Small business owner
“Applied on my lunch break, tracked the review with my reference number, and had the money the same week. About as simple as borrowing gets.”
Brian Kiptoo
Salaried employee
“The fee was shown upfront and taken from the payout, exactly as promised. That's rare, and it's why I came back for a second loan.”
Amina Hassan
Shop owner
Frequently asked questions
No. You never pay a fee to receive your loan. The one-time origination fee is deducted from the amount we pay out, so the figure shown as "You receive" is exactly what lands in your account.
Applications are reviewed during working hours. You will see the status change from Submitted to Under review, then to Approved and Disbursed once complete.
No. The origination fee shown before you apply is the only charge, and there is no interest — you repay the principal amount over the term.
Yes. The application works on any modern phone browser and takes a few minutes to complete.
Your full name, phone number, email, national ID, employment status, monthly income, and the purpose of the loan.
Email support
info@azurainc.com
Include your application reference when available.
Working hours
Monday – Saturday, 8:00 AM – 6:00 PM
Safety
We will never ask you to send money or pay a fee to receive your loan. If someone does, it is not us.