Frequently Asked Questions

Mara Credit Company Limited is a registered financial services provider in Kenya. We offer affordable, quick, and reliable credit solutions, including business loans and asset financing, designed to help individuals and small-to-medium enterprises (SMEs) grow.

We are open from Monday to Friday, 8:00 AM to 5:00 PM, and Saturdays from 8:00 AM to 1:00 PM. We are closed on Sundays and public holidays.

We offer Business Growth Loans for working capital, Asset Financing to help you acquire assets, and Emergency Loans for urgent personal or business needs.

You generally need to be a Kenyan citizen aged 23 years and above with a valid National ID, own an active and verifiable business or have a stable source of income, have a registered Safaricom M-Pesa line, and provide required collateral or guarantors depending on the loan product.

Standard requirements may include a copy of your National ID, latest 6-month M-Pesa statement or bank statement, business permits or licenses where applicable, and passport-sized photos.

You can fill out an application request form directly on this website or reach Mara Credit through 0707436842 or info@maracredit.co.ke and our team will get in touch with you.

Once you submit a complete application with all required documentation, review and approval typically take between 6 to 12 hours.

Once approved, funds are securely disbursed directly to your registered M-Pesa number or via electronic bank transfer for larger amounts.

All loan repayments are made digitally via the official M-Pesa Paybill number 4153047. Use your National ID or Loan Account Number as the Account Number. Mara Credit staff will never ask you to send repayment money to personal phone numbers.

Yes. You can clear your loan balance ahead of schedule. Please contact your Relationship Officer or contact our team to get your exact early-settlement balance.

Late payments may attract a penalty fee and negatively affect your credit score, limiting your ability to access higher limits in the future. If you foresee a delay, please contact your Relationship Officer as soon as possible to discuss flexible options.

Yes. We take data privacy seriously and adhere to the Kenya Data Protection Act. Your personal and financial information is encrypted and securely stored, and we do not share your data with unauthorized third parties.

You can reach us by phone on 0707436842, email info@maracredit.co.ke, P.O. Box 544-0100 Nairobi, or through our LinkedIn at https://www.linkedin.com/company/mara-credit-co-limited/.