Chime Capital

Compare all 2 products from Chime Capital in Kenya. Borrow up to Ksh 75,000.

Ksh 75,000

Max Amount

Instant for repeat borrowers, minutes for new ones

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Chime Capital Mobile Loan	N/A	Ksh 1,000 - Ksh 75,000	Instant for repeat borrowers, minutes for new ones	Apply
Chime Capital Mobile Loan	N/A	Ksh 1,000 - Ksh 75,000	Instant for repeat borrowers, minutes for new ones	Apply

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Chime Capital Pros & Cons

+Pros

✓Physical office available for walk-in support (industrial area)
✓Reports positive repayment to CRBs to build credit
✓Accessible even with a basic smartphone
✓Well-designed mobile app experience
✓Transparent fee disclosure before loan acceptance

-Cons

✗No early repayment rebate on some loan tiers
✗Short maximum tenure may squeeze repayment
✗Initial KYC process takes longer than app-only rivals

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Chime Capital is a CBK-licensed Digital Credit Provider, headquartered in Nairobi's industrial belt, licensed in 2024. The lender serves Kenya's digital-credit market under the 2022 CBK DCP regime. Chime Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees.

Frequently Asked Questions

What loan amounts are available from Chime Capital?

Chime Capital offers loan amounts from Ksh 1,000 up to Ksh 75,000 depending on the product and your eligibility.

How fast does Chime Capital disburse loans?

The fastest disbursement time from Chime Capital is Instant for repeat borrowers, minutes for new ones. Actual processing time varies by product type and application completeness.

Does Chime Capital require CRB clearance?

Chime Capital does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.