Factorhouse

Compare all 1 products from Factorhouse in Kenya. Borrow up to Ksh 75,000.

Ksh 75,000

Max Amount

Same day for most applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Factorhouse Credit Line	N/A	Ksh 3,000 - Ksh 75,000	Same day for most applications	Apply

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Factorhouse Pros & Cons

+Pros

✓Local Kenyan customer-service team
✓Fast in-app support via live chat
✓Consent-based data use — no unsolicited marketing

-Cons

✗Interest rates can be steep for first-time borrowers
✗Short maximum tenure may squeeze repayment
✗Mobile-first service assumes smartphone access

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

Factorhouse is a CBK-licensed Digital Credit Provider, licensed in 2024 under Kenya's 2022 DCP Regulations. Loans run from KES 3,000 to KES 75,000 with repayment terms of 7-30 days. Disbursement is via M-Pesa or Airtel Money - same day for most applications. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What loan amounts are available from Factorhouse?

Factorhouse offers loan amounts from Ksh 3,000 up to Ksh 75,000 depending on the product and your eligibility.

How fast does Factorhouse disburse loans?

The fastest disbursement time from Factorhouse is Same day for most applications. Actual processing time varies by product type and application completeness.

Does Factorhouse require CRB clearance?

Factorhouse 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.