Active obligation
The loan becomes part of the customer's current exposure until it is repaid or otherwise resolved.
Borrow only what is eligible
From an eligible choice to an approved M-Pesa disbursement.
Stelo keeps the request flow deliberate: choose within your current limit, review the actual quote, submit the request, wait for the loan decision and receive funds only after approval.
Eligible productReview before requesting
AmountWithin your current limit
TermAvailable option for this product
ChargesShown in the actual quote
RepaymentShown before confirmation
Review the live quote in your account
Select within your limitUnavailable tiers stay locked.
Review before confirmingAmount, term, charges and obligation should be visible.
Approval before moneyNo disbursement until the request is approved.
The loan request flow
Five stages from selection to disbursement.
This is the loan-level part of the journey. Your profile and effective limit are already doing their work before you reach stage one.
- 01Choose
Select an eligible product
Only an amount and term currently supported by your eligibility should be selectable. The wider catalogue can remain visible for context.
Eligibility gate - 02Review
Read the actual quote
Before you confirm, review the amount, term, applicable charges, repayment obligation and any product-specific information presented in your account.
Customer review - 03Request
Submit the loan request
Submitting a request is not the same as receiving funds. It moves the application into the applicable loan-level approval process.
Decision pending - 04Decision
Stelo records the approval outcome
The request can proceed to disbursement only after the relevant checks are satisfied. A declined request must not create a payment obligation or disbursement.
Approval gate - 05Disbursement
Approved funds move by M-Pesa B2C
The lending flow is designed to send approved funds through M-Pesa rather than first placing them into a general-purpose Stelo withdrawal wallet.
M-Pesa B2C
Before you confirm
The live quote should answer the questions that matter to your obligation.
The public website can explain the product structure, but the actual quote presented to the signed-in customer is what should describe that specific request.
✓
Principal amount — the exact amount you are requesting.
✓
Repayment term — the duration attached to the selected product.
✓
Applicable charges — the pricing shown for that specific quote.
✓
Total repayment obligation — what the customer is expected to repay for that loan.
✓
Repayment date or schedule — when the obligation becomes due.
Illustrative quote structureReview before confirming
Loan amountYour selected eligible amount
TermEligible term
ChargesShown in your live quote
Total repaymentConfirmed before request
Illustrative only — no public example should be treated as a promise of pricing or approval.
Approval is a separate gate
Eligible means “you may request it.” Approved means “this loan can proceed.”
That distinction keeps the customer-facing experience accurate. An eligible product can be selectable without the website claiming that every request is guaranteed to be funded.
1
Eligibility controls what can be requested.
2
The loan request is evaluated against applicable checks.
3
Only an approved request proceeds to M-Pesa disbursement.
EligibleProduct selectableWithin current limit
RequestedDecision pendingNo disbursement yet
ApprovedReady for B2CM-Pesa disbursement
M-Pesa disbursement
Funds move after approval—not before.
Stelo's intended lending flow keeps the customer account, the loan record and the external M-Pesa movement linked without introducing a generic withdrawal balance.
01Approved loanLoan record ready
Approved loanLoan record ready→B2C instruction
02MM-PesaPayment rail
→Successful receipt
03CustomerFunds received
i
Payment success should be authoritative
The lending record should only reflect a successful disbursement when the corresponding M-Pesa outcome is confirmed through the production integration and its callback/transaction state.
After disbursement
The loan moves from “request” to “obligation.”
Once an approved loan is successfully disbursed, the customer should be able to understand what is outstanding and how to repay it.
Available room changes
Existing exposure can reduce the remaining room under the effective credit ceiling.
Repayment becomes next
The customer can move into the M-Pesa repayment flow and track the result against the loan.
Next guide
See how repayments return through M-Pesa and affect your Stelo history.
Repayment is where the active obligation closes and the behaviour becomes part of future profile reviews.