Quick, Hassle-Free Mobile Loans Built on Dignity and Trust
Crest Loan (operated by Swiftcrest Capital Limited, Reg No. PVT-7LU572M2) is dedicated to providing you with accessible working capital credit when you need it most. Our user-friendly mobile app offers a seamless experience, making it easier than ever to secure the funds you require without intrusive paperwork or invasive contact harvesting.
Respect for Customers' Privacy
Your personal network is strictly confidential. We explicitly prohibit contact book scraping, third-party disclosure, or intrusive call tactics.
Openness & Transparency
All costs, loan durations, and payment dates are fully declared upfront. What you see on the screen is precisely what you receive and repay.
Fairness & Equity
Flexible options including repayment extensions and reasonable grace periods under Central Bank of Kenya guidelines to support cash flow rather than punish users.
Why Choose Crest Loan
Clear advantages designed for Kenyan business operators seeking reliable working capital.
14, 21 & 30-Day Tenors
Select a repayment term that matches your business cash flow cycles. Choose between 14-day, 21-day, or 30-day facilities.
100% Transparent Pricing
Clear, fixed finance charges: 10% for 14 days, 15% for 21 days, and 20% for 30 days. No hidden deductions or early payment penalties.
Zero Harassment & Shaming
We respect your dignity. Crest Loan strictly forbids contact scraping, public social media shaming, or unauthorized third-party harassment.
Direct Safaricom M-Pesa
Once your application is approved in the mobile app, funds are disbursed directly to your verified Safaricom M-Pesa account.
Graduated Limit Progression
Complete 3 consecutive successful borrowing and repayment cycles to unlock higher borrowing limits up to KSh 50,000.
Accessible Human Support
Need assistance? Contact our local support desk via phone, WhatsApp (+254 797 849 393), or email from Monday to Saturday.
Clear, Regulated Pricing
Every fee is disclosed upfront before you accept a loan offer. No unexpected surprises.
| Loan Tenor | Finance Charge (%) | KSh 2,000 Facility | KSh 5,000 Facility | KSh 10,000 Facility | KSh 20,000 Facility |
|---|---|---|---|---|---|
| 14 Days | 10% of Principal | Fee: KSh 200 | Total: KSh 2,200 | Fee: KSh 500 | Total: KSh 5,500 | Fee: KSh 1,000 | Total: KSh 11,000 | Fee: KSh 2,000 | Total: KSh 22,000 |
| 21 Days | 15% of Principal | Fee: KSh 300 | Total: KSh 2,300 | Fee: KSh 750 | Total: KSh 5,750 | Fee: KSh 1,500 | Total: KSh 11,500 | Fee: KSh 3,000 | Total: KSh 23,000 |
| 30 Days | 20% of Principal | Fee: KSh 400 | Total: KSh 2,400 | Fee: KSh 1,000 | Total: KSh 6,000 | Fee: KSh 2,000 | Total: KSh 12,000 | Fee: KSh 4,000 | Total: KSh 24,000 |
Consumer Protection: Statutory Recovery Limit (Regulation 19)
In accordance with Regulation 19 of the Central Bank of Kenya (Digital Credit Providers) Regulations, 2022, the maximum aggregate amount recoverable on any non-performing loan is strictly capped by law to the principal owing at default plus contractual interest not exceeding that principal amount, and reasonable, lawful recovery expenses.
How To Get Started
Our four-step hybrid process combines on-site business verification with digital convenience.
Download APK
Download the official Crest Loan APK on your Android device and initiate your business registration.
Physical Verification
A Crest Loan Field Officer visits your physical business premises to verify your ID and trading licence.
Credit Limit Assigned
Upon verification, your Initial Credit Limit (KSh 1,000–10,000) is assigned. Select your preferred tenor in the app.
M-Pesa Disbursement
Review terms, confirm acceptance, and receive funds via M-Pesa. Repay on time to grow your limit up to KSh 50,000.
Download Crest Loan App and Get Exclusive Offers
Start your journey towards financial freedom today. Fast disbursements, low rates, zero stress. Download the direct installation file safely.
Frequently Asked Questions
Everything you need to know about our business credit facilities, verification, and repayment.
Crest Loan is designed for Kenyan businesspersons who:
- Are at least 18 years old with legal capacity to contract;
- Operate an identifiable physical business in Kenya (generally for more than one year);
- Possess a valid Kenyan National Identification Card;
- Hold a copy of a valid business operating licence or permit;
- Can nominate two verifiable reference contact persons;
- Successfully complete our hybrid physical and digital verification.
Newly onboarded customers receive an Initial Credit Limit ranging between KSh 1,000 and KSh 10,000, determined by our credit and affordability appraisal. KSh 10,000 is the statutory initial limit ceiling.
To qualify for higher limits, customers must complete at least three (3) consecutive successful borrowing and repayment cycles on time. Limits progress graduated up to our absolute maximum exposure ceiling of KSh 50,000.
We offer three approved product tenors with fixed finance charges:
- 14 Days Tenor: 10% finance charge (e.g. KSh 5,000 loan has a fee of KSh 500; total repayable is KSh 5,500).
- 21 Days Tenor: 15% finance charge (e.g. KSh 5,000 loan has a fee of KSh 750; total repayable is KSh 5,750).
- 30 Days Tenor: 20% finance charge (e.g. KSh 5,000 loan has a fee of KSh 1,000; total repayable is KSh 6,000).
There are zero hidden fees, zero registration fees, and zero prepayment penalties.
Crest Loan uses a hybrid onboarding model to safeguard borrower identity and ensure responsible lending. A Crest Loan Field Officer visits your physical business premises, verifies your identity document and business licence, and completes an onboarding report. Once approved, you are granted secure digital access to the Crest Loan APK to apply for loans.
Once onboarded, repeat borrowing does not require repeated physical visits as long as your account remains in good standing.
Strictly NO. In compliance with the Kenya Data Protection Act, 2019 and Central Bank of Kenya regulations, Crest Loan guarantees:
- We do NOT harvest, sync, or scrape your phonebook contacts;
- We NEVER contact uninvolved relatives, friends, or employers to shame you;
- We NEVER post or threaten to post customer information on social media or public forums;
- All recovery procedures follow our strict, dignified Code of Responsible Collections.
All repayments are made securely via our official Safaricom M-Pesa Paybill or through the embedded payment feature within the Crest Loan APK. Never pay cash to any individual or Field Officer.
You are fully entitled to settle your loan before the maturity date at any time. Early settlement builds a strong credit record and accelerates your eligibility for credit limit increases.
Contact Customer Support
Our dedicated team is ready to answer inquiries, guide onboarding, and resolve issues.
Reach Out Directly
WhatsApp Support
Phone Support
Official Email
Operational Hours
Monday – Saturday: 8:00 AM – 10:00 PM
Sunday: Closed