About STEMTIDE Credit Limited

Powering Growth and Dreams.

A Kenyan digital lender offering individuals and small businesses fast, flexible and tailor-made financial solutions — salary advance, logbook, biashara and landlord rent advance credit, decided in under six hours.

Our mission

To be the Fintech of choice.

To be the Fintech of choice offering individuals and small businesses fast, flexible and tailor-made financial solutions digitally.

Our vision

The digital lender of choice.

To become the Digital lender of choice recognized for efficient service and customer-centric solutions.

See loan families

CBK licensedSTEMTIDE Credit Limited is licensed by the Central Bank of Kenya.

Under 6 hoursComplete applications are reviewed and answered the same working day.

Mombasa-basedYusufali Trust Building, 2nd Flr Rm 16, Moi Avenue, Mombasa.

Phone-firstUSSD *835*24#, plus Android and iOS apps.

Core values

What we hold ourselves to.

Five commitments that govern how we price, approve, communicate and collect.

IntegrityHonesty and clear terms with zero hidden surprises.

EmpowermentFlexible, growth-focused solutions for every client.

SpeedFast, digital approvals when funding is needed most.

InnovationContinually improving modern financial products.

ReliabilityA dependable partner at every stage of your journey.

Trust & compliance

Built around fair, transparent credit.

STEMTIDE Credit Limited runs on disciplined affordability checks, written disclosures and a clear support path — the basics every Kenyan borrower deserves.

Responsible lendingWe assess affordability before approval and never lend beyond a borrower’s reasonable repayment capacity.

Privacy-firstYour personal data is collected only for application review, communication, servicing and compliance — never resold.

Transparent feesAll fees, interest, penalties and total cost of credit are disclosed in writing before acceptance.

Fair complaintsEvery complaint is logged, acknowledged and resolved with a documented response and clear escalation path.

Why STEMTIDE

Unlock unlimited possibilities.

Tailor-made financial solutions to finance your biashara, projects, family needs, agri-business and day-to-day expenses.

Decisions in under 6 hoursApplications that arrive complete are reviewed and answered the same working day — not the same week.

Licensed by the Central Bank of KenyaSTEMTIDE Credit Limited operates under CBK licensing, with written disclosures on every facility.

Tailor-made, not off-the-shelfSalary advance, logbook, biashara and landlord rent advance are priced and structured to the borrower, not to a template.

Apply from any phoneUSSD *835*24# works on a feature phone. The Android and iOS apps add statements, documents and push updates.

Next step

Talk to a loan officer or start online.

Apply now, request a callback, or estimate repayment with our calculator.

Apply Now Request Callback