Verified Identity
Every borrower and lender completes KYC with ID, selfie and a verification video.
KYC-verified peer-to-peer lending
Secure peer-to-peer
lending powered by
digital agreements
Verify identity, agree terms, sign contracts, and track M-Pesa loan funding and repayments - all in one trusted platform.
- DISBURSED
- KES 0
- ON-TIME REPAYMENT
- -
- VERIFIED USERS
- 0
Features
Everything you need to borrow with confidence
Verified lenders, digital contracts, and tracked M-Pesa repayments in one place.
Digital Contracts
Agree on terms and sign a legally-styled contract with typed name and signature.
M-Pesa Funding
Disburse and repay through M-Pesa STK Push. Every transaction tracked.
Repayment Tracking
See balances, due dates, late fees and a full transaction history.
Trust Scores
Build a reputation through verified profiles and on-time repayments.
Bank-grade Security
Encrypted documents, audit logs, and dispute resolution baked in.
Four simple steps to a funded loan
Verify your identity
Complete a quick KYC with your ID, selfie and a short verification video.
Request or fund a loan
Borrowers post requests; lenders browse verified profiles and make offers.
Sign the digital contract
Both parties review terms, consent, and sign with typed name and signature.
Disburse & repay via M-Pesa
Send funds with STK Push and track every repayment with receipt reconciliation.
Trust & Security
Built with safeguards at every step
PesaPact combines identity verification, secure document storage, signed digital contracts and audit logs so you can lend and borrow with peace of mind.
- Encrypted, private KYC documents
- Row-level access controls on all data
- Signed contracts with consent records
- Audit logs of every sensitive action
- Disputes mediated by PesaPact admins
Made for Kenya. Built on M-Pesa.
Every funding and repayment flows through M-Pesa, with checkout request IDs and receipt numbers logged for both parties. Reconciliation is automatic.
Sample receipt
SHJ7XK2L99 · KES 25,000 · 14:45
Transparent pricing
Pay only when value is delivered
No setup fees. No subscription required to borrow. Lenders start free and upgrade as they grow.
For borrowers
Simple, success-based pricing
For lenders
Plans that scale with your portfolio
Transaction fees
Small, predictable per-transaction costs
Cover M-Pesa processing and platform operations. No hidden charges.
ActionFeeWhen
M-Pesa disbursement
Charged once per funded loan
KES 100Charged once per funded loan
M-Pesa repayment
Per successful repayment
KES 50Per successful repayment
Late reminder
After grace period lapses
KES 30After grace period lapses
Dispute resolution
Split between parties, only if escalated
KES 500Split between parties, only if escalated
Transparent pricing
Ready to start?
Create your account and complete KYC in under 5 minutes.
FAQ
Questions, answered
Our digital contracts include both parties' verified details, signatures and a consent record - designed to support enforceability under Kenya's electronic transactions framework.
Legal & compliance
Clear rules before you lend or borrow
Every account starts with transparent platform policies. Review the documents that govern identity verification, wallet-only transactions, and digital loan contracts.
Versioned acceptance
We track which document version you accepted, so both parties know the rules that apply.
Privacy by design
KYC files and financial evidence stay private. Lenders see verification status, not your documents.
Contract transparency
Preview the standard loan contract template before you request or fund a loan.
Legal document
Core platform policies you accept when you join PesaPact.
Ready to lend or borrow with trust?
Join PesaPact today - KYC takes under 5 minutes.