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Your Credit Score

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Your Credit Score

At L-Pesa, we have developed a credit score system to enable those who pay back their loans on time access to more funds when they need them. We use this score to differentiate our high-risk customers from our low-risk ones. If you are a low-risk customer and are able to increase your credit score consistently, then you are able to take advantage of a range of value added services. Our credit score system is based on a weekly repayment rate. When you start using our service with your first loan, your credit score is at zero. Each time that you complete a payment on time, your credit score goes up. Once you have completed the payments, you are eligible for a higher loan. 



The credit levels 

  • $1 First-Time Customer – Credit Score of 0
  • $2.5 to $95 Seasoned Customer – Credit Score of 0 – 186
  • $100 to $575 Preferred Customer – Credit Score of 196 - 725
  • $600 to $700 Gold Customer – Credit Score of 755 - 800

When you reach a credit score of 100 or more, you become a preferred customer and are eligible for a range of benefits from L-Pesa.

Customer StatusCredit ScoreLoan amountDaysWeeks
Seasonal Customer0$2.5639
Seasonal Customer10$5639
Seasonal Customer18$7.5639
Seasonal Customer24$10639
Seasonal Customer30$12.5639
Seasonal Customer35$15639
Seasonal Customer40$17.5639
Seasonal Customer45$20639
Seasonal Customer50$25639
Seasonal Customer55$30639
Seasonal Customer60$35639
Seasonal Customer65$40639
Seasonal Customer70$45639
Seasonal Customer75$50639
Seasonal Customer80$55639
Seasonal Customer85$60639
Seasonal Customer90$65639
Seasonal Customer95$70639
Seasonal Customer100$75639
Seasonal Customer110$80639
Seasonal Customer120$85639
Seasonal Customer130$90639
Seasonal Customer140$95639
Preferred Customer150$100639
Preferred Customer175$125639
Preferred Customer200$150639
Preferred Customer225$175639
Preferred Customer250$200639
Preferred Customer250$22510515
Preferred Customer250$250639
Preferred Customer250$275639
Preferred Customer250$300639
Preferred Customer250$325639
Preferred Customer250$35010515
Preferred Customer250$37510515
Preferred Customer250$40010515
Preferred Customer250$42510515
Preferred Customer250$45010515
Preferred Customer250$47510515
Preferred Customer250$50010515
Preferred Customer670$52510515
Preferred Customer695$55010515
Preferred Customer725$57510515
Gold Customer755$60010515
Gold Customer785$62510515
Gold Customer800$65010515
Gold Customer800$67510515
Gold Customer800$70014721

Defaulting on your loan

If you default on your repayments, or you make a repayment late, you will lose one credit point for each week. Should you miss or delay 10 repayments in a row, your credit score will automatically change to zero, and you will have to wait a one full year to be able to build your credit score from scratch and only after you clean your previous loan.