ALEZA Limited is a licensed financial services provider offering quick, convenient, and affordable loan solutions to individuals, businesses, and groups across Kenya. We are committed to financial inclusion and helping our customers achieve their dreams through accessible credit.

Yes, ALEZA Limited is fully licensed and regulated by the Central Bank of Kenya. We operate in compliance with all financial regulations and consumer protection laws.

We have multiple branches across Kenya to serve you better. Visit our "Branches" page on our website to find the nearest ALEZA branch to you, complete with addresses, contact numbers, and operating hours.

• Fast approval - Get loan decisions within 24 hours
• Flexible terms - Choose repayment periods that suit your budget
• No hidden fees - Transparent pricing with clear terms
• Digital convenience - Apply online, via mobile app, or USSD
• Customer-first approach - Dedicated support team to help you succeed
• Multiple loan products - Solutions for personal needs, business growth, emergencies, and more

We offer a variety of loan products to meet different needs:

• Personal Loans - For personal expenses, home improvements, medical bills, etc.
• Business Loans - Working capital, inventory, equipment, business expansion
• Emergency Loans - Quick cash for urgent, unexpected expenses
• Asset Finance - Purchase vehicles, machinery, or equipment
• Education Loans - School fees, college tuition, training courses
• Group Loans - Special rates for registered groups and chamas

To qualify for an ALEZA loan, you must:

• Be a Kenyan citizen or legal resident
• Be at least 18 years old
• Have a valid National ID or Passport
• Have a verifiable source of income
• Have an active mobile phone number
• Not be listed on CRB (Credit Reference Bureau) with negative status
• Meet specific product requirements (varies by loan type)

Absolutely! We welcome applications from salaried employees, self-employed individuals, and business owners. You'll need to provide proof of income such as bank statements, M-Pesa statements, or business financial records.

It depends on the loan product and amount:

• Personal loans (up to KES 100,000) - Usually no collateral required
• Business loans (larger amounts) - May require collateral or guarantors
• Asset finance - The asset being purchased serves as collateral
• Emergency loans - No collateral required

Our loan officers will advise you on specific requirements during the application process.

Yes, you can apply. However, we will assess your total debt obligations to ensure you can comfortably afford the new loan. We practice responsible lending and want to ensure you don't become over-indebted.

You can apply through multiple convenient channels:

Online:

• Visit our website www.aleza.co.ke
• Click "Apply Now"
• Fill in the application form
• Upload required documents
• Submit and track your application status

Mobile App:

• Download ALEZA app from Google Play Store or App Store
• Register and verify your account
• Select loan product and apply
• Upload documents via your phone camera
• Get instant updates on your application

USSD:

• Dial *835*67# from your registered phone
• Follow the menu prompts
• Apply for a loan in minutes

Visit a Branch:

• Find your nearest ALEZA branch
• Bring your ID and supporting documents
• Our loan officers will assist you with the application

Basic requirements for all applicants:

• Copy of National ID or Passport
• Recent passport-size photo
• Proof of residence (utility bill, lease agreement, etc.)
• Proof of income (payslip, bank statements, M-Pesa statements)
• KRA PIN certificate

Additional documents may be required depending on loan type and amount.

• Initial review: Within 2-4 hours of submission
• Approval decision: Within 24 hours for most loans
• Disbursement: Within 24-48 hours after approval

Emergency loans can be approved and disbursed within a few hours for eligible customers.

You'll receive notifications via:

• SMS to your registered phone number
• Email to your registered email address
• In-app notification (if using mobile app)

You can also check your application status by logging into your account

If your application is not approved, we'll inform you of the reason. Common reasons include:

• Insufficient income to support the loan
• Negative CRB listing
• Incomplete documentation
• Existing high debt levels

You can reapply after addressing the issues, typically after 30 days.

No, loan applications must be made by the borrower themselves. However, you can be a guarantor for someone else's loan if the product requires guarantors.

We use transparent interest calculation methods:

• Flat rate: Interest calculated on the original loan amount for the entire period
• Reducing balance: Interest calculated on the outstanding balance (you pay less interest over time)

The method used depends on your loan product and will be clearly stated in your loan agreement.

For certain loan products or amounts, we may require guarantors:

• Guarantors must be Kenyan citizens with valid ID
• They should have verifiable income
• They guarantee to repay the loan if you default
• We'll verify guarantor information before approval
• Guarantors will be contacted to confirm their consent

Yes, we conduct a Credit Reference Bureau (CRB) check as part of our assessment. This helps us:

• Verify your credit history
• Assess your creditworthiness
• Offer you appropriate loan amounts
• Practice responsible lending

Good credit history can help you qualify for larger loans at better rates.

We offer multiple convenient repayment methods:

M-Pesa:

• Paybill Number: [PAYBILL NUMBER]
• Account Number: Your loan number
• Instant confirmation

Mobile App:

• Pay directly through the ALEZA app
• Track all your payments in one place

Your first payment date depends on your repayment frequency:

• Daily: Next business day after disbursement
• Weekly: 7 days after disbursement
• Bi-weekly: 14 days after disbursement
• Monthly: 30 days after disbursement

The exact date will be clearly stated in your loan agreement and repayment schedule.

Yes! We encourage early repayment. You can:

• Make extra payments anytime
• Pay larger installments
• Settle your loan early
• Reduce your interest charges

There are no penalties for early repayment.

We understand that financial challenges happen. If you miss a payment:

• You'll receive a reminder SMS/call
• Late payment penalties may apply (as per your agreement)
• Your loan may be reported to CRB if severely overdue
• We'll work with you to find a solution

Important: Contact us immediately if you're having difficulty making payments. We can discuss restructuring options.

Yes, we offer loan restructuring for customers facing genuine financial difficulties:

• Extended repayment period (lower installments)
• Temporary payment holiday
• Revised repayment schedule
• Consolidated loans

Contact our customer service team to discuss your options.

You'll receive confirmation via:

• SMS confirmation immediately after payment
• Email receipt
• Updated balance in your mobile app/online account
• Payment reflected in your loan statement

Yes, you can request a loan statement anytime:

• Download from mobile app or website
• Request via email or SMS
• Pick up at any branch

Statements show all payments, balance, and upcoming installments

No. We are committed to transparency. All fees and charges are:

• Clearly stated in your loan agreement
• Explained by our loan officers
• Displayed on our website
• No surprises or hidden costs

No, we do not charge any penalties for early loan repayment. In fact, early repayment:

• Reduces your total interest paid
• Improves your credit score
• Makes you eligible for larger loans in future

We encourage it!

Creating an account is easy:

Online/Mobile App:

• Visit our website or download the app
• Click "Register"
• Enter your phone number
• Verify with OTP (sent via SMS)
• Create a password
• Fill in your basic details
• Upload your ID for verification

USSD:

• Dial *835*67#
• Select "Register"
• Follow the prompts

Your account will be activated once we verify your identity (usually within 24 hours).

Check your balance anytime through:

• Mobile App: View real-time balance on dashboard
• USSD: Dial *835*67# → Select "Check Balance"
• SMS: Send "BAL [Loan Number]" to [SHORT CODE]
• Website: Log in to your account
• Call: Contact our customer service
• Branch: Visit any ALEZA branch

Yes, subject to affordability assessment:

• You can have multiple loans if you can afford the repayments
• Each loan is assessed individually
• Your total debt obligations must be manageable
• Good repayment history on existing loans helps

Update your details through:

• Mobile App: Go to Profile → Edit Details
• Website: Log in → Settings → Update Information
• Branch: Visit with your ID
• Call: Contact customer service (verification required)

Keep your contact information current to receive important notifications.

Yes, you can close your account if:

• All loans are fully repaid
• No pending applications
• No outstanding balances

Contact customer service to initiate account closure. We'll be sad to see you go!

We're here to help! Reach us through:

Phone:

• Customer Service: +254 757 911 741
• WhatsApp: [WHATSAPP NUMBER]
• Operating Hours: Monday-Friday 8AM-6PM, Saturday 9AM-1PM

Email:

• General Inquiries: info@aleza.co.ke
• Loan Support: loans@aleza.co.ke
• Complaints: complaints@aleza.co.ke

Social Media:

• Facebook: @ALEZALimited
• Twitter: @ALEZAKenya
• Instagram: @aleza_ke

In Person:

• Visit any of our branches
• Find locations on our website

We take complaints seriously:

• Contact our customer service team
• Explain your issue clearly
• Provide your loan/account number
• We'll investigate and respond within 3 business days
• If not satisfied, escalate to complaints@aleza.co.ke
• We'll work to resolve your issue fairly

Absolutely. We take data security seriously:

• All data encrypted and secure
• Compliant with Data Protection Act
• Information used only for loan processing
• Never shared with third parties without consent
• Regular security audits
• Secure servers and systems

Yes! We believe in empowering our customers:

• Free financial literacy workshops
• Online resources and guides
• Budgeting tools and calculators
• Business planning assistance
• Debt management advice

Check our website or ask at any branch about upcoming workshops.

Yes! We have a referral program:

• Refer friends and family
• Earn rewards when they take a loan
• Both you and your friend benefit
• Ask about our current referral bonuses

Branches:

• Monday-Friday: 8:00 AM - 5:00 PM
• Saturday: 9:00 AM - 1:00 PM
• Sunday & Public Holidays: Closed

Customer Service (Phone/Email):

• Monday-Friday: 8:00 AM - 6:00 PM
• Saturday: 9:00 AM - 1:00 PM

Digital Services (App/USSD/Website):

• Available 24/7

Yes! Download the ALEZA app:

• Android: Google Play Store
• iOS: Apple App Store

App Features:

• Apply for loans
• Check balances
• Make payments
• View statements
• Track applications
• Contact support
• Financial calculators
• Loan eligibility checker

Use our online Loan Eligibility Calculator:

• Enter your income and expenses
• See estimated loan amount you qualify for
• No impact on your credit score
• Takes less than 2 minutes
• Available on our website and mobile app

We approve approximately 75% of applications from eligible customers. To improve your chances:

• Ensure all documents are complete and accurate
• Maintain good credit history
• Apply for an amount you can afford
• Provide accurate income information
• Have verifiable contact details

Yes, track your application in real-time:

• Log in to your account (web or app)
• View application status dashboard
• Receive SMS/email updates at each stage
• See estimated approval timeline
• Contact support for updates

Strong applications have:

• Complete and accurate information
• All required documents uploaded
• Realistic loan amount based on income
• Clear purpose for the loan
• Good credit history
• Verifiable income source
• Valid contact information
• Responsive to our verification calls

• ✓ Fast & Convenient - Quick approvals, multiple application channels
• ✓ Flexible - Choose your amount, tenure, and repayment frequency
• ✓ Transparent - No hidden fees, clear terms
• ✓ Customer-Focused - Dedicated support, financial education
• ✓ Trusted - Licensed and regulated, thousands of satisfied customers
• ✓ Innovative - Modern digital platform, mobile-first approach
• ✓ Responsible - Fair lending practices, restructuring options

Join thousands of satisfied customers who trust ALEZA for their financial needs!

If you wish to delete your ALEZA account, please visit our Account Deletion page for more information and to submit a deletion request.