FAQs

Tuma Loan is a mobile loan application designed for Kenyan users, offering quick personal loans ranging from KSh 1000 to KSh 60,000, with repayment terms of 91 to 360 days.We compliant with the Kenya Data Protection Act (2019) and Google Play Store Financial Services Policy.

Loans must not be used for illegal activities, such as gambling or money laundering. You may use the loan for various legitimate purposes, including but not limited to:
  • Emergency expenses (e.g., medical bills, home repairs).
  • Business growth (e.g., purchasing inventory, equipment).
  • Personal expenses (e.g., shopping, education costs).

Approval typically takes a few minutes, depending on the completeness of your information and the credit assessment outcome. You can check your application status in the App.

Credit Limit: Determined based on your credit score, repayment history, and income, ranging from KSh 1000 to KSh 60,000.
Increasing Limit: Timely repayments and maintaining a good credit record can increase your limit.

If repayment fails (e.g., insufficient M-Pesa balance):
  • Ensure sufficient funds in your mobile wallet or bank account.
  • Retry payment in the App or use an alternative payment method.
  • Contact support@tumaloans.com for assistance to avoid late fees.

Please repay on time to protect your credit. Late repayments may result in:
  • Late Fees: Additional fees charged at a fixed rate.
  • Credit Bureau Reporting: Defaults may be reported to a Credit Reference Bureau (CRB) after 7 days, affecting your credit score.
  • Collections: We may engage external collection agencies to recover the debt.

Possible reasons include:
  • Incomplete or inaccurate information provided.
  • Failure to pass credit assessment (e.g., low credit score or default history).
  • Not meeting eligibility criteria (e.g., age, residency).

  • Be at least 18 years old with the legal capacity to enter contracts.
  • Be a Kenyan resident with a valid identification document (e.g., ID or passport).
  • Have an active mobile money account (e.g., M-Pesa).
  • Pass Tuma Loan's credit assessment.

  • Download the Tuma Loan App from the Google Play Store.
  • Register and complete identity verification with accurate details (e.g., ID number).
  • Submit a loan application and await credit assessment.
  • Upon approval, the loan will be disbursed to your M-Pesa account.

Loan fees vary based on factors such as your credit score, loan amount, and repayment term. You can view detailed fee information in the App during the application process or contact Tuma Loan customer service. All fees are transparently displayed with no hidden charges.

Method: Repay via M-Pesa, with instructions provided in the App. Installment repayments are supported.

Yes, you can make full or partial early repayments at any time without additional fees. The minimum early repayment amount is displayed in the App.

  • Clear the overdue loan and fees as soon as possible.
  • Make timely repayments on future loans to rebuild a good credit record.

We comply with the Kenya Data Protection Act (2019) and protect your information by:
  • Using industry-standard encryption (e.g., SSL/TLS).
  • Restricting data access to authorized personnel only.
  • Conducting regular security audits.

You can exercise these rights by contacting support@tumaloans.com. Under the Kenya Data Protection Act, you have the right to:
  • Access your personal data held by us.
  • Correct inaccurate data.
  • Delete data no longer needed.
  • Withdraw consent for data processing.

Still unresolved?

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