Build credit as you go

We designed our loan process to fit your needs and help you grow. As you build credit with Vine MicroFinance, you unlock larger loan amounts.

Get what you need on the go

Unlike other lenders, we don’t make you jump through hoops or fill out paperwork. Simply apply through SMS and get approved in under 24 hours.

No hidden fees, no surprises

We don’t charge late fees or rollover fees, we don’t put restrictions on how you spend your money, and our customer support team is available 24/7.

Are you an Employer?

Focus on making your employees happy, no more cash flow problems. Register your employees on our platform and approve their loans with ease.

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Are you employed?

You can apply for a loan as long as your employer is registered with us. Fast and easy application, it takes under 2 minutes to complete an application via SMS.

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245.66 Million

Already disbursed. So what are you waiting for?

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Even more for you


100% Mobile

No Paperwork, no queues or questions that Banks ask. Just apply via SMS anytime anywhere!


Fast Decisions

If we can offer you a loan, we will communicate it within 1 Hour. If we cannot, we will explain the reasons why.


Customer Support

We have many happy and smiling faces to assist you with your questions and inquiries.



You do not need to have collateral assets, a bank account, guarantors or a salaried job to raise a loan.



The cost is lower than bank loans, and you choose your own repayment schedule.



Your credit limit increases with each on-time repayment, up to a maximum of 50,000 KES per loan.

What they say about us