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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
  • $3 to $100 Seasoned Customer – Credit Score of 6 – 93
  • Above $100 Preferred Customer – Credit Score of 305 and above.

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$171
Seasonal Customer0$3142
Seasonal Customer5$5355
Seasonal Customer12$10426
Seasonal Customer18$20497
Seasonal Customer20$25568
Seasonal Customer28$30568
Seasonal Customer42$40639
Seasonal Customer48$507010
Seasonal Customer47$607711
Seasonal Customer64$708412
Seasonal Customer73$809113
Seasonal Customer80$909814
Seasonal Customer93$10010515
Preferred Customer145$15011917
Preferred Customer211$20013319
Preferred Customer262$25014721
Preferred Customer305$30016824
Preferred Customer375$40016824
Preferred Customer450$50016824
Preferred Customer525$60016824
Preferred Customer600$70022432
Preferred Customer675$80022432
Preferred Customer725$90022432
Gold Customer775$100036452
Gold Customer800$150042060
Gold Customer800$200049070
Gold Customer800$250056080
Diamond Customer800$3000728104

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.