Cash-flow context
Declared, observed and verified income can contribute to a clearer picture of what repayment may realistically fit.
People. Progress. Together.
Credit that
grows with you.
Start with your financial profile. Understand your current limit. Apply only for credit you are eligible for. When a loan is approved, Stelo keeps disbursement and repayment connected to M-Pesa.
Profile-led eligibility
Credit limit is a hard ceiling
M-Pesa-first lending
Stelo Credit Profile
PROFILE STATUS
Building
Eligibility updates as verified financial information and repayment history develop.
Effective credit limitYour current ceiling
Profile-led
Available borrowing never exceeds your effective limit.
Stelo 1KStelo 5KStelo 25KStelo 75K
M-PesaB2C disbursement + STK repayment
Consent-ledDerived financial signals, not raw histories
KenyaDesigned for the local credit journey
30 / 45 / 60Day terms on eligible products
Stelo 1K → 75KStructured product tiers
M-Pesa firstDisbursement and repayment
Understand before you borrow
Stelo starts with your profile—not a promise of instant money.
The platform is designed to make your current borrowing capacity understandable. Your credit profile, affordability, verified financial context and existing exposure shape what can be available to you.
Affordability first
Income, recurring obligations and existing loan or guarantee exposure matter before a new amount is made available.
Transparent ceilings
Your effective credit limit is a maximum, not a target. Eligible products remain constrained by that current ceiling.
Responsible growth
Limits can grow in stages as your profile develops; registration, referrals or guarantees do not automatically create borrowing capacity.
Your Stelo Credit Profile
One view of the signals that actually matter to repayment.
Stelo is designed to combine relevant financial evidence into a usable credit profile while keeping the lending decision server-authoritative and explainable.
01
Income & cash flow
Declared, observed and verified financial capacity over meaningful time windows.
02
Expenses & obligations
Recurring commitments, liabilities and other exposure that affect affordability.
03
Repayment behaviour
How borrowing is serviced over time can strengthen or weaken future eligibility.
04
Verified risk context
Approved external checks can add context where available and consented.
Stelo profileFinancial picture
Current borrowing capacity
Calculated from your profile
Stelo considers affordability and current exposure before displaying eligible credit.
Income confidenceVerified + observed context
Affordability roomAfter recurring obligations
Repayment historyBuilds through responsible use
Illustrative UI. Your actual profile and available limit are based on the information verified for your account.
Credit that fits your limit
See the catalogue. Unlock only what your profile supports.
Stelo's product structure gives you a clear view of available credit without implying every tier is immediately open. Your effective limit remains the final ceiling.
Stelo 1KStelo 3KStelo 5KStelo 10KStelo 15KStelo 25KStelo 50KStelo 75K
Community Trust Based
Designed around verified trust relationships while keeping the customer's own affordability, exposure and credit limit in control.
- Your limit remains authoritative
- Trust relationships do not create unlimited borrowing
- Only eligible tiers can be selected
Employer Trust Based
For eligible customers whose employment relationship can support additional verification of financial context and affordability.
- Profile and affordability still apply
- Current exposure remains part of the calculation
- Terms and quote are shown before confirmation
30days
45days
60days
Eligible terms
Know the term before you commit.
Available term options depend on the product and your eligibility. The exact loan quote, charges and repayment obligation should be reviewed before confirmation.
Product availability is not guaranteed. Amounts, terms, pricing and approval depend on the customer's current eligibility, effective limit and applicable lending rules.
How Stelo works
From profile to repayment, one clear journey.
Each step is designed to tell you what is happening, what is required and what your current eligibility actually allows.
- 01
Create your account
Register and complete the required account and verification steps.
- 02
Build your profile
Provide the financial context and consent needed for Stelo to assess your position.
- 03
See your limit
Understand the effective borrowing ceiling currently supported by your profile.
- 04
Choose eligible credit
Select only from products and terms that fit within your current limit and eligibility.
- 05
Receive through M-Pesa
After approval, disbursement is designed to move directly through M-Pesa B2C.
- 06
Repay and build
Repay through M-Pesa and build a stronger history through responsible repayment behaviour.
M-Pesa-first money movement
From approval to repayment, the path stays familiar.
Stelo's production lending flow is built around M-Pesa rather than a separate customer withdrawal wallet or a generic gateway layer.
01
Approved loan is prepared for automatic M-Pesa B2C disbursement.
02
Customer receives funds through the M-Pesa number connected to the verified account flow.
03
Repayment uses M-Pesa, including STK Push for supported payment actions.
SteloApproved loanDisburse→
MM-PesaB2C
Repay←
YouVerified account
No separate customer withdrawal balance is required for the lending flow.
On deviceRelevant transaction parsingConsent-led Android analysis
To SteloDerived aggregatesIncome, cash-flow and affordability signals
Not a shortcutRaw message historyNot the intended credit-analysis payload
Privacy by design
Useful financial context without turning your phone into the product.
With your consent, Stelo's Android approach is designed to extract relevant M-Pesa transaction signals locally and send derived financial aggregates for assessment instead of treating your entire message history as something to upload.
Relevant to affordabilityIncome and cash-flow patternsExpenses and recurring obligationsExisting lending and guarantee exposureRepayment behaviour
Not used as borrowing shortcutsContact listsGender or marital statusEducation levelNightlife or gambling as a proxy for worthiness
Responsible borrowing
A limit is a ceiling—not an instruction to use all of it.
Stelo is designed to favour affordability, conservative first-loan exposure and staged growth over pushing the largest possible amount at every customer.
1
Start conservatively. New profiles do not need to begin at the maximum catalogue amount.
2
Grow with evidence. Responsible repayment and stronger financial confidence can support future limit reviews.
3
Respect current exposure. Pending and outstanding obligations reduce available borrowing capacity.
Effective credit limitCeiling
EligibleWithin current limit
LockedAbove current limit
Illustrative only. Your actual available amount depends on your current account and credit profile.
Questions, answered clearly
Before you borrow, know how Stelo works.
These answers describe the intended product model. Your actual eligibility, quote and repayment obligation are shown in your account before you confirm a loan.
Does registering for Stelo guarantee a loan?
No. Registration does not guarantee approval. Eligibility depends on your Stelo Credit Profile, affordability, current exposure and applicable risk controls.
What amounts can be available?
Stelo's catalogue is structured in amount tiers from Stelo 1K through Stelo 75K. The product catalogue does not override your effective credit limit; only tiers you are eligible for can be selected.
What loan terms does Stelo use?
Eligible products can use 30, 45 or 60 day terms. Availability depends on the product and your eligibility, and the exact quote is shown before confirmation.
How do I receive and repay an approved loan?
Approved loans are designed for automatic M-Pesa B2C disbursement. Repayments use M-Pesa, including STK Push flows where supported.
Does Stelo upload my full M-Pesa SMS history?
The consent-led Android approach is designed to process relevant transaction messages locally and send derived financial aggregates for assessment rather than uploading raw message histories for credit analysis.
Can a referral or guarantee increase my credit limit?
No. Trust relationships can be part of specific product flows, but they do not override the effective limit produced by your profile, affordability and existing exposure.
Stelo for Android
Your credit profile, eligible products and repayments—together.
The Android download page now reads signed-release metadata, supports architecture-specific APKs and publishes file checksums. Download controls activate only when a production-signed release is actually available.
Unsigned, debug or placeholder APK URLs are never published as a Stelo release.