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 gives you access to quick mobile loans with the best interest rates in the market, just when you need it.

Our promise is to provide loans that complement your life. Our goal is to ensure our loans are as convenient as possible with flexible repayment periods don't interfere with your normal life.

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.

Get your loan approved in just a few steps (fast and easy)

Scroll or slide the images to see how to use Bayes

Need A Loan? Get In Touch Now

Email: customercare@bayes.co.ke | Support: +254759808086 or fill the form below:

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.

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.

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

Benard

Nov 26, 2022 | Nairobi, Kenya

I would highly recommend this app. First convinient repayment mode. And also they give you all the money you qualify for unlike other apps that deduct interest before disbursment. This app has other services..many thing not just a loan giver but you can save and pay bills directly from it. Very efficient.

Evans Soita

Jan 31, 2023 | Nairobi, Kenya

The most wonderful App. I'm the first beneficiary what are you waiting for ? It's easy to download and easy to use. Instant loan disbursement with very little interest rate

Heinriques Akhaabi

Feb 16, 2023 | Nairobi, Kenya

Quick and efficient. I have never experienced such quick reviews. Thanks Bayes

Purity Tuei

April 4, 2023 | Nakuru, Kenya

This app is wonderful... few steps to follow and with 10 sec you have your loan

Zadock Bett

April 8, 2023 | Nakuru, Kenya

Fairly good in need of quick money for emergencies.

Ian Alusa

February 2, 2023 | Nairobi, Kenya

Fast loan disbursement...and user-friendly interface

Mercy Cheruto

March 23, 2023 | Nairobi, Kenya

Very efficient and reliable app

Emmaculate Tetei

March 17, 2023 | Nairobi, Kenya

Best loan app I have seen so far.I would recommend it to all my friends.

Mulamula Asuza

April 8, 2023 | Nairobi, Kenya

Just the best lending platform, ie quick disbursement.

Get Bayes today and enjoy reliable mobile transactions!

Bayes is a cutting-edge digital mobile lending application that allows customers to borrow micro loans for their personal or business use when they urgently need it.