Why Choose Bayes?
Reasons hundreds of thousands of Kenyans trust Bayes
Instant Disbursement
For mobile loans, instant disbursment for asset-based financing within just 8 hours.
Flexible Loan Options
Pick the amount and repayment terms that fit your cash flow and top up or repay earlier whenever it suits you.
No Hidden Fees
Transparent pricing with every cost shown upfront.
Referral Commissions
Earn when you refer friends and family.
Secure & Licensed by the CBK
Fully regulated by the Central Bank of Kenya and protected with bank-grade encryption on every transaction.
Dedicated Customer Support
Friendly and responsive support team available to guide you every step of the way.
Your loan in four simple steps
From sign-up to cash in hand, Bayes keeps every step fast, secure and clear.
- Account
- Verify
- Apply
- Funds
Create Your Account
Sign up in minutes using your phone number and email — no paperwork, no queues.
Testimonials
Real reviews from real customers who borrow, repay and grow with Bayes every day.