Simplepay Capital

Compare all 2 products from Simplepay Capital in Kenya. Borrow up to Ksh 150,000.

Ksh 150,000

Max Amount

Same day for most applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Simplepay Capital Credit Line	N/A	Ksh 1,000 - Ksh 150,000	Same day for most applications	Apply
Simplepay Capital Credit Line	N/A	Ksh 1,000 - Ksh 150,000	Same day for most applications	Apply

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Simplepay Capital Pros & Cons

+Pros

✓Consent-based data use — no unsolicited marketing
✓Strong data-privacy posture under Kenya DPA 2019
✓Customer WhatsApp channel for quick escalations
✓No hidden charges beyond the advertised rate

-Cons

✗Late payment reported to all three CRBs (Metropol, TransUnion, CreditInfo)
✗No early repayment rebate on some loan tiers
✗Mainly Nairobi-focused; limited regional reach

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

Simplepay Capital is a CBK-licensed Digital Credit Provider, licensed in 2024. Pricing and disclosure obligations follow CBK's 2022 DCP rules. Simplepay 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 Simplepay Capital?

Simplepay Capital offers loan amounts from Ksh 1,000 up to Ksh 150,000 depending on the product and your eligibility.

How fast does Simplepay Capital disburse loans?

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

Does Simplepay Capital require CRB clearance?

Simplepay 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.