Build credit as you go

We designed our process to fit your needs and help you get the best healthcare. As you build credit with Vine, you unlock larger amounts.

Get what you need on the go

We don’t make you jump through hoops or fill out paperwork. Simply apply through SMS and get approved in under 5 minutes.

No hidden fees, no surprises

We only charge a small daily fee and give you full control of how much you will pay. Pay early, pay less.

Are you a Health Insurer?

Focus on making your customers happy, no more cash flow problems. Register your customers on our platform and say goodbye to late premium payments.

Register Now

Are you Insured?

You can get an overdraft on your monthly premium payments at a small daily fee as long as your insurer is registered with us. Pay back at your convenience within 30 days.

Get Started Now

12,000 Customers

Are already enjoying our services. 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 an overdraft, 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 get an overdraft.



The cost is lower than mobile loans, and you can pay much less when you repay early.



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

What they say about us