Kenyan citizens and legal residents aged 18–55 with a valid national ID (or passport), an active phone number, and a completed KYC are eligible to apply.

Loan amounts typically range from KES 700 to KES 10,000. Terms depend on the product and your eligibility; common terms include short-term plans up to 120 days. Available options are shown in-app.

Loan limits are based on your KYC information, repayment history with KOPALINK, and affordability checks performed during the application.

All fees and the total repayment amount are displayed on the loan offer page before you confirm. Representative examples and a loan calculator are available on the product page.

Repayments can be made via M-Pesa or bank transfer. The app shows the next due date and provides step-by-step repayment instructions.

We send reminders before and after due dates. Missed payments may incur late fees and affect future borrowing. Please contact support immediately to discuss hardship options.

We do not sell your personal data. Data is used only to process applications, manage loans, and provide required services. Any third-party sharing is limited to service providers under contract and done in compliance with our Privacy Policy.

We use encryption, secure storage, restricted access, and regular audits to protect data. For details, see our Security page.

Download the app, enter your phone number, verify via OTP, and complete KYC with ID. The process typically completes within minutes.

Use in-app chat, email support@kopalink.co.ke, or call our support hotline during business hours.

Account closure is possible when you have no outstanding loans. The app will guide you through the verified closure process and any grace period configured by operations.