One app for all your mobile transactions
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
Bayes complements your busy life with unique features
Bayes is your go-to mobile application for all your mobile money transactions
B2B Business Solution
Small & Medium size Business centralized funding, cash collections and management service as a reliable and secure platform for all mobile and bank transactions.
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Online Portal
Online Portal for payment tracking and generation of reports.
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MPESA Mobile Wallet or Bank Settlement
Settlement of funds to either an MPESA mobile wallet or BANK.
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Suits All Businesses
General to any kind of business, irrespective of size.
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Multiple User Roles
Ability to assign multiple user roles in the online account portal.
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MPESA PayBill Enabled
The platform is enabled via the MPESA PayBill option where a merchant/ business has a general PayBill number with a unique account number.
Flexible Small Business Financing Solutions
B2B companies need flexibility, and Bayes Mobile App is one of the most flexible forms of small business financing as a fintech loan. Click below to review the benefits of our B2B business solutions and how it works.
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
Vincent Kiprono
Nairobi, kenya
ABEL MIYABA MABEYA
15/03/20 | Nairobi, Kenya
Naftal Owiti
November 3, 2018 | Nairobi, Kenya
Nehemiah Kip Kigen
February 5, 2020 | Nakuru, Kenya
John Musee
June 11, 2019 | Nakuru, Kenya
Emily Oduor
February 29, 2020 | Nairobi, Kenya
Mary Simwa
February 13, 2020 | Nairobi, Kenya
Milly Rajab
February 13, 2020 | Nairobi, Kenya
Riyadh Faraj
February 13, 2020 | Nairobi, Kenya
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.
