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We present a simple registration and loan application process, after which the customer receives the money in real-time on their Mobile Money or Bank Accounts. A set of unique characteristics set apart our lending products and loans, when compared against what else is available in the market.

Essentially, Bayes is a must have financial partner, a partner who travels with you everywhere you go, built to give you the opportunity to enjoy a healthy financial life, and reap from your investment at the touch of a button.

Mobile Loans

Enjoy instant and affordable mobile loans of up to Kshs 50,000 based on credit limit growth through responsible borrowing and timely repayments. Bayes is all about efficiency, transparency and control. It offers customers a preference to access their Bayes account via USSD code *218*88#. Repayments are done via Paybill number 599862 or through the Bayes app

Bayes has been in operation since 2018 and served over 500,000 customers within Kenya providing instant and affordable loans with flexible repayment terms. Download Bayes App today and enjoy flexible loans

Mobile Loans

Creatively packaged for your convenience

Imagine having an app that serves all areas of your busy life

Simple and friendly loaning process

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

No hidden fees or charges. No Surprises

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

How to Find Us


Mitsumi Business Park,
5th Floor,
Muthithi Road, Westlands


+254 759 808 086
Monday to Friday 8am - 5:30pm


Licensed by CBK as a Digital Credit Provider