Application processing fee
A disclosed application processing fee equal to 5% of the requested loan amount may be required before an application is released for review. Payment does not guarantee approval. The platform must state whether the fee is refundable and must not describe it as VAT unless supported by applicable tax law and a valid tax invoice.
Terms and Conditions
Last updated: 15 July 2026
This template is a starting point and should be reviewed by a qualified Kenyan legal and compliance professional before the platform goes live.
1. Platform purpose
JiraniLoans provides digital tools for account creation, loan applications, document submission, decision communication, agreements, payments and repayment records.
2. Eligibility and accurate information
Applicants must meet the applicable legal age and product criteria and must provide complete, accurate and verifiable information. False information may result in rejection or account restriction.
3. No guarantee of approval
Registration or submission does not guarantee approval. Decisions depend on verification, affordability, credit assessment, security evaluation where applicable and the current lending policy.
4. Offers, charges and acceptance
An approved offer should disclose the principal, interest, lawful fees, repayment dates, installment amounts and total repayment. The customer must review and expressly accept the agreement before disbursement.
5. Payments
Payments are valid only when confirmed through the platform or an authorised payment channel and matched to the correct account or loan reference. Customers should retain receipts.
6. Customer responsibilities
Customers must protect login credentials, keep contact details current, report suspicious activity and make repayments according to the accepted schedule.
7. Complaints
Complaints may be submitted through the support page. We will acknowledge, investigate and communicate an outcome through the registered contact channel.
8. Changes
Material changes to these terms should be communicated before they become effective. Accepted loan agreements remain governed by their stated terms unless lawfully amended.