Get Bayes for reliable mobile transactions and affordable mobile loans

Get Bayes for fast, convenient mobile loans and all your mobile transactions

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Creatively packaged for your convenience

Imagine being able to do all your mobile transactions from one app.
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Simple and friendly loaning process

No jumping hops to fill crazy paperwork. It's one simple process all for all services
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No hidden fees or charges. Surprises kept at bay.

No unreasonable fees or hidden costs. Just what you owe Bayes. Spend your money with no restrictions.

Bayes complements your busy life with unique features

Bayes is your go-to mobile application for all your mobile money transactions

Credit / Loans

Get instant loans with flexible repayment terms and no hidden charges, all determined from your mobile data

Pay your Bills

Whether it’s your electricity, water, electricity, pay to watch tv bills or mobile bills, Bayes has you covered

Pay Merchants

Enjoy direct payments to both mobile money & bank accounts enabling you to enjoy a cashless experience

Send Money

Conveniently send money to your loved one’s phone numbers or bank accounts from the comfort of your phone.

Buy Airtime

You don’t have to move a foot to buy airtime anymore. Bayes allows you to safely buy airtime from your Bayes Account

Monitor & Track Expenditure

Whether you want to track and monitor your expenditure or want to cut it down, Bayes thought of you too.

Bayes complements your busy life with unique features

Bayes is your go-to mobile application for all your mobile money transactions

Credit / Loans

Get instant loans with flexible repayment terms and no hidden charges, all determined from your mobile data

Pay your Bills

Whether it’s your electricity, water, pay to watch tv bills or mobile bills, Bayes has you covered

Pay Merchants

Enjoy direct payments to both mobile money & bank accounts enabling you to enjoy a cashless experience

Send Money

Conveniently send money to your loved one’s phone numbers or bank accounts from the comfort of your phone.

Buy Airtime

You don’t have to move a foot to buy airtime anymore. Bayes allows you to safely buy airtime from your Bayes account

Monitor & Track Expenditure

Whether you want to track and monitor your expenditure or want to cut it down, Bayes thought of you too.

Salary Advance for Your Employees

This facility offers access to bridge financing for your employee’s mid-month emergency needs, designed to have a maximum limit of up to 30% of the net pay. Our team envisions approving the applied amounts within 24HRS.

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Submit Application

To get started, reach out via our contact details and submit your service application. Your application will be assessed based on our assessment procedures and a communication provided within 24 hours.
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Approval & System Integration

Once your application is received, assessed, and approved, you'll sign a mutual agreement after which we will do minimal integration of our product and processes into your already existing salary processing system.
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Salary Advance

Once your organization has been approved and our product integrated with your salary processing system, your employees can then submit their applications for salary advance which shall be processed within 24 hours.

Use Bayes for virtually all your mobile transactions

Scroll or slide the images to see how to use Bayes

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Frequently asked questions about Bayes

Bayes offers a range of functionalities designed to make your life easy and take care of all your mobile transactions. Learn more about Bayes from our Q&A below

1. How do I repay my Bayes loan?

From the app, use the repay button on the loans screen to repay your installment or the full amount.

Alternatively send the money to our paybill 599862, use your ID number as the account number.

2. How does one qualify for a loan?

Loan qualification is based on several factors including mobile money usage, borrowing and repayment history from other lenders, and credit rating by various CRBs among others.

Those who do not qualify instantly are encouraged to keep the app installed and use the other services we provide to build a history with us and qualify for a loan in future.

3. Can I pay once at the end of my loan term?

We advise clients to make their payments as per the agreement during disbursement. Skipping installments will negatively affect your eligibility for future loans.

4. What if I pay early?

We encourage you to repay early or on time, this will positively contribute to growing your loan limit.

5. How to access Bayes after losing my phone or on a new phone?

Kindly reach out to us through Facebook or using the chat feature on our app for further assistance.

Alternatively dial *879*88# to access your Bayes account.

6. What happens if I do not repay on time?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus.

7. Why is my initial loan limit zero?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus

8. Why was my loan limit reduced to zero?

This is due to poor loan repayment history. If your loan is overdue for a long time you cannot access a new loan immediately. We will notify you via text if you are reconsidered for a loan.

1. How do I repay my Bayes loan?

From the app, use the repay button on the loans screen to repay your installment or the full amount.

Alternatively send the money to our paybill 599862, use your ID number as the account number.

2. How does one qualify for a loan?

Loan qualification is based on several factors including mobile money usage, borrowing and repayment history from other lenders, and credit rating by various CRBs among others.

Those who do not qualify instantly are encouraged to keep the app installed and use the other services we provide to build a history with us and qualify for a loan in future.

3. Can I pay once at the end of my loan term?

We advise clients to make their payments as per the agreement during disbursement. Skipping installments will negatively affect your eligibility for future loans.

4. What if I pay early?

We encourage you to repay early or on time, this will positively contribute to growing your loan limit.

5. How to access Bayes after losing my phone or on a new phone?

Kindly reach out to us through Facebook or using the chat feature on our app for further assistance.

Alternatively dial *879*88# to access your Bayes account.

6. What happens if I do not repay on time?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus.

7. Why is my initial loan limit zero?

Failure to repay on time will result in penalties, reduced loan limits or inability to access another loan.

Note that accounts in default for more than two weeks will be blacklisted and reported with the Credit Bureaus

8. Why was my loan limit reduced to zero?

This is due to poor loan repayment history. If your loan is overdue for a long time you cannot access a new loan immediately. We will notify you via text if you are reconsidered for a loan.

Learn how we are transforming lives of Kenyans like you

We are excited about how we are transforming the lives of Kenyans like you, one after another. See what why Bayes users love Bayes for all their mobile transactions

Brenda Leah

March 9, 2021 | Nairobi, Kenya

A very easy and good up to borrow from. I give it five stars after sending my six months mpesa statement i received my limit. After applying for the loan I received it in seconds.

Samson Njoroge

February 27, 2021 | Nairobi, Kenya

Very good and friendly user interface. The app has made keeping tabs of my finances seamlessly easy. Thank you Bayes

Raphael Wachira

April 10, 2021 | Nairobi, Kenya

Wow, Bayes super app. Thank you plan on walking a long journey with your low-interest rates and flexible time.to pay will start to explore more on savings paying bills with the app will be my 1financial app. To manage my accounts 100%goo app would recommend anyone to try the app.

Martine Okayo Abong II

April 7, 2021 | Nakuru, Kenya

This is the best app i have seen rely working well in 2021 and provide loans and disburse them immediatly. Keep up

Gustave Wachenje

February 24, 2021 | Nakuru, Kenya

A very reliable app.Top notch in delivery.Keep it up.My initial rating was not commendable but after rectifying what I did wrong now am a happy customer

Jessica Awange

February 4, 2021 | Nairobi, Kenya

It's the best loan app I've come across..as long as you pay on time they will never disappoint you

Margaret Moraa

February 8, 2021 | Nairobi, Kenya

A great app..easy loan procedure, fast disbursement,,good customer service..kudos

Jacky 254

November 15, 2020 | Nairobi, Kenya

Excellent app. Would recommend it. I have used it for a while now, very reliable and fast in loan disbursement. With no harassment when it comes to repaying the loan👍.

washington buju

February 2, 2021 | Nairobi, Kenya

Best and relevant app, no regestration fee, and you get your loan instantly.

Get Bayes today and enjoy reliable mobile transactions!

Bayes is a cutting-edge Digital mobile lending and Payments application that allows customers to borrow micro loans, send money to each other, schedule & pay bills, pay merchants among other many features. Basically, all your mobile transactions.