Jiwambe Credit Solutions
Find Your Solution
Who are we?
We have a new simple way to see if you qualify for financing.We use modern tools and technology to get your approval in minutes!
We work with partners to help you better.
Jiwambe helps you and your business grow with easy financing for improving your home and buying electric bikes.
Ride Electric!
Affordable Financing For the Future of E-mobility
Jiwambe is making it easier for everyone to switch to electric motorbikes by providing easy financing.
We join hands with partners to help you and your business:
- Access low interest loans on bikes
- Reduce fuel costs
- Boost earnings
- Contribute to a cleaner environment
Housing
Improving Your Home, Step By Step
Jiwambe wants to make it easy for you to improve your house. We know fixing your house can be hard work, taking time and money.
That’s why we offer financing that fits your needs and you service it back slowly, a little at a time. We do this guided by these four key principles:
- Affordable loans
- Secure transactions
- Trusted partnerships
- Personalized service
Collections
Efficient, Ethical, and Data-Driven Debt Recovery
Jiwambe provides professional collection services designed to improve recovery rates for businesses and financial institutions.
We know you want your money back but you also want to keep your customers happy. We do this for you in four simple ways:
- Advanced analytics
- Industry best practices
- Relationship focus
- Effective debt resolution
Our Commitment to the SDGs
FAQs (Frequently Asked Questions)
General Information
Jiwambe is a Kenyan-based financial solutions provider offering housing microfinance, electric motorbike (e-mobility) asset financing, and ethical, data-driven debt collection services. We empower households by helping them improve their homes, generate income, and recover lost revenue ethically.
At Delta Corner Annex, Westlands, Nairobi, Kenya.
Derived from different Swahili words, it means “support yourself” — emphasizing self-reliance through access to fair financial services.
To bridge the financing and collection gaps in underserved communities by offering simple, fast, and ethical financial solutions.
Jiwambe uses non-harassing, ethical recovery methods and provides flexible loans with transparent terms — a dual approach few others offer.
Yes, we are legally registered and fully compliant with local regulations.
A team with over 75 years of combined experience in finance, analytics, collections, and risk management across Africa, Europe, and Asia.
- Debt Collection
- Housing Improvement Financing
- Electric Mobility Financing
- Credit Risk Advisory
Both. We support individual clients, SMEs, contractors, and financial institutions.
Kenya-wide, with plans to expand across East Africa.
For Clients and Borrowers
Any Kenyan with proof of income, a guarantor, and a valid ID.
No. As long as you have an active loan, you are not eligible for another financing — even if you’re in good standing and meet the affordability requirements.
Jiwambe follows up, negotiates new terms, and may repossess assets if unresolved.
Yes, clients receive a confirmation of loan clearance via email/SMS.
Yes. No penalties for early repayment.
Only if default persists beyond agreed resolution timelines.
No. A guarantor is a mandatory part of the approval process.
You receive a written agreement with breakdowns of principal, interest, and schedule.
Yes, via Paybill or STK push as instructed.
Yes, provided by email or WhatsApp upon approval.
Growth and Future
Yes, East African expansion is in the works.
It’s in development.
Yes. Pilots are ongoing.
For enterprise clients, yes — under NDA.
Yes, Jiwambe is actively exploring capital and strategic partnerships.
Not publicly, but summaries are shared with partners and investors.
Contact growth@jiwambe.com.
Yes — email us or use the contact form.
This is under consideration based on demand and partner support.
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Jiwambe's Stories of Transformation:
“I was hesitant to switch to electric, but Jiwambe made it possible. The Magnus 3000 is incredible, and the financing plan was perfect for my budget. I’m now making more money and helping the environment. It’s a win-win!”
John Omollo
Delivery Rider
“My family’s home was in need of serious repairs. Jiwambe’s housing microfinance loan made it possible to fix our leaking roof and create a safer space for my children. The process was straightforward, and the team was incredibly supportive. Now, we have a home we can be proud of. Jiwambe truly cares about improving lives.”
Sarah Kimani
Thika Resident
“Before Jiwambe, I was spending a fortune on fuel for my old boda. Now, with my Magnus 3000, I’m saving so much money! The financing was easy, and the bike is fantastic. It’s changed my livelihood. I can make more deliveries and spend less. Thank you, Jiwambe!”
Robert Wafula
Nairobi Boda Boda Operator
