Wabema Credit

Compare all 2 products from Wabema Credit in Kenya. Borrow up to Ksh 50,000.

Ksh 50,000

Max Amount

Within 10 minutes for approved applications

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Wabema Credit Mobile Loan	N/A	Ksh 2,000 - Ksh 50,000	Within 10 minutes for approved applications	Apply
Wabema Credit Mobile Loan	N/A	Ksh 2,000 - Ksh 50,000	Within 10 minutes for approved applications	Apply

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Wabema Credit Pros & Cons

+Pros

✓Consent-based data use — no unsolicited marketing
✓Available across Kenya, not just Nairobi
✓Accessible even with a basic smartphone

-Cons

✗Daily late-fee compounding can accumulate fast
✗Gmail-only contact channel — no branded website
✗Reduced loan limit if CRB score drops below 600

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

Wabema Credit is a CBK-licensed Digital Credit Provider, licensed in 2025 under Kenya's 2022 DCP Regulations. Loans run from KES 2,000 to KES 50,000 with repayment terms of 14-30 days. Disbursement is via M-Pesa or Airtel Money - within 10 minutes for approved 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 Wabema Credit?

Wabema Credit offers loan amounts from Ksh 2,000 up to Ksh 50,000 depending on the product and your eligibility.

How fast does Wabema Credit disburse loans?

The fastest disbursement time from Wabema Credit is Within 10 minutes for approved applications. Actual processing time varies by product type and application completeness.

Does Wabema Credit require CRB clearance?

Wabema Credit 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.