One app for all your mobile transactions

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

  • #1
    Creatively packaged for your convenience

    Imagine being able to do all your mobile transactions from one app.

  • #2
    Simple and friendly loaning process

    No jumping hops to fill crazy paperwork. It's one simple process all for all services

  • #3
    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 Merchants

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

cheap mobile loans kenya
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.

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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

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.