+254732080947Mon-Sat, 8:00 AM-5:00 PMinfo@svs.co.ke
Sovilt Ventures Solution
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Fast and Secure Online Loans in Kenya, priced in plain numbers

Borrow up to KES 50,000 in cash to your M-PESA, or take home electronics, furniture and kitchenware and pay weekly. Work out exactly what you will repay before you apply.

Apply now How it works
  • Paid to M-PESA/Bank Account
  • Decisions in minutes to hours
  • No hidden charges

Since May 2022Lending to Kenyans in SMEs and Institutions

M-PESADisbursement and repayment

Mon-Sat, 8:00 AM-5:00 PMCustomer support

LicensedLicensed by the Central Bank of Kenya under the Digital Credit Providers Regulations

Two ways to borrow

Pick cash when you need money now, or an appliance when you need the item itself.

Cash loans

Sent to your M-PESA after approval.

Home appliance loans

Get home appliances on flexible instalment payments.

Electronics available on instalments Electronics From KES 8,000 Furniture available on instalments Furniture From KES 12,000 Kitchenware available on instalments Kitchenware From KES 6,000

Built for the way Kenya does business

From the market stall to the boda stage, we lend to people who keep their businesses moving.

  • Fresh vegetables on sale at a local market

    Mama mboga

    Restock vegetables and produce before the price rises.

  • Motorbike used for transport and business

    Boda boda operators

    Service, repair or add a motorbike to your fleet.

  • Clothing boutique and retail shop

    Boutiques

    Add new stock for the season without draining cash.

  • Retail shop shelves

    Retail shops

    Keep your shelves full all month long.

  • Mali mali household goods stall

    Mali mali traders

    Top up stock of household goods that sell fast.

  • Office and electronic equipment

    Electronics and office

    Replace or add equipment for home or work.

From application to M-PESA in four steps

The whole process is digital. Most applicants never need to visit an office.

  1. 1

    Apply online

    Fill in one form on your phone. Add three collateral items and two guarantors with photos.

  2. 2

    We verify

    Our team checks your details and runs a responsible-lending assessment.

  3. 3

    Get a decision

    Most decisions arrive within minutes to a few hours. You see the full terms first.

  4. 4

    Receive funds

    Cash goes to your M-PESA. Appliances are released after your deposit.

Why members choose us

  • Fast decisions

    Decisions in minutes to hours, with cash sent to M-PESA within 2 hours of approval in working hours.

  • Transparent pricing

    Fee, interest and total repayment are shown before you commit.

  • Protected data

    ID numbers are encrypted and your photos are stored privately.

  • Mobile first

    Apply, upload photos and repay from your phone.

  • Flexible repayment

    Choose a period that fits your income, within each product's limits.

  • Real people

    Call, WhatsApp or email us Mon-Sat, 8:00 AM-5:00 PM.

Save with us and earn dividends

Members grow their savings with us and share in annual dividends. Ask about membership and savings plans.

Ask about membershipMembership form

Questions we hear most

What products does Sovilt Ventures Solution offer?

We offer two kinds of credit.

  • Cash loans: Quick Cash Loan (KES 2,000–10,000), Personal Loan (KES 11,000–25,000), Business Loan (KES 26,000–50,000). Paid straight to your M-PESA.
  • Home appliance loans: take home electronics, furniture or kitchenware and pay in weekly instalments after a deposit.
How much can I borrow?

Cash loans range from KES 2,000 to KES 50,000, depending on the product, our credit assessment and your repayment history. Appliance loans start from KES 6,000 depending on the item.

How do I apply for a loan?

Applying is 100% digital.

  1. Open the Apply page and enter your details.
  2. Choose a cash loan or a home appliance loan.
  3. Add three items as collateral (with photos) and two guarantors (with passport and ID photos).
  4. Submit. Our team reviews the application and calls you on the number you provided.
What are the eligibility requirements?
  • Kenyan citizen aged 18 or over with a valid National ID
  • Phone number registered in your name
  • Active M-PESA account registered to your number
  • A reliable source of income or a running business
  • Two guarantors with valid National IDs
  • You must pass our responsible-lending assessment
How long do approval and disbursement take?

In most cases a decision takes a few minutes to a few hours after we receive a complete application. Approved cash loans are sent to your M-PESA within 2 hours during working hours (Mon–Sat, 8:00 AM – 5:00 PM).

What are the interest rates and fees?

Our pricing is shown before you accept any loan.

  • Cash loans: 5.4% interest per week and a one-time processing fee of 10%.
  • Appliance loans: a deposit of 10%, interest from 5.4% per week, repayable over up to 16 weeks.

Use the loan calculator on the home page to see the full cost before you apply.

See all questions

Ready when you are

Prefer paper? Download a form, fill it in and send it to us. Or apply online in about 10 minutes.

Apply online Loan form (PDF)
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