Smallest named amount tier in the current catalogue.
30 / 45 / 60 day structure*
Stelo credit catalogue
See every tier. Access only what fits.
Stelo keeps the catalogue understandable without turning the largest displayed amount into a promise. Your profile, affordability, current exposure and effective limit determine what can actually be selected.
Credit catalogue1K → 75K
Stelo 1KEntry tierEligible state
Stelo 25KHigher tierProfile controlled
Stelo 75KLargest listed tierMay remain locked
8 named tiersFrom Stelo 1K through Stelo 75K.
30 / 45 / 60 daysSupported terms when available for the product/account.
Limit-controlledThe effective credit ceiling stays authoritative.
Product tiers
A structured ladder from Stelo 1K to Stelo 75K.
The amount names describe the catalogue structure. They do not imply that every customer can start at, move to or automatically unlock a particular tier.
Visible as the next step in the product ladder when supported.
Eligibility controlled
A mid-entry tier that remains subject to profile and affordability checks.
Quote before confirmation
Available only when the effective limit and product rules support it.
Hard ceiling applies
Part of the visible catalogue, not an automatic progression milestone.
Current exposure matters
A higher amount tier requiring the same affordability discipline.
Loan decision still required
Can remain visible while locked when it exceeds current capacity.
Visible ≠ selectable
Largest named catalogue tier; never a default or guaranteed limit.
Maximum listed tier
* 30, 45 and 60 days describe supported term structures, not a guarantee that all three terms are offered on every tier or to every customer. Your signed-in quote is the source of truth for the amount, available term, charges and total repayment obligation.
Product states
The same catalogue can show different states for different customers.
Stelo separates discovery from access. That means you can understand the product ladder without confusing visibility with a lending decision.
Visible
DiscoverableThe tier exists in the Stelo catalogue and can be explained publicly.
Locked
Not selectableThe product is outside the customer's current eligibility, limit or applicable product rules.
Eligible
SelectableThe product fits current eligibility and can proceed to the account-level quote/review flow.
Requested
Decision pendingThe customer has reviewed the quote and submitted a specific loan request.
Approved
Funding routeThe loan-level decision is positive and can move to M-Pesa B2C disbursement.
Terms & live quotes
Choose from supported terms only when your account actually offers them.
Stelo supports 30, 45 and 60 day product structures. A specific customer may see one or more eligible options depending on the product and current assessment.
1
Amount. The exact principal requested.
2
Term. The repayment duration actually offered.
3
Charges. Product-specific pricing disclosed before confirmation.
4
Total obligation. What the customer is expected to repay and when.
Eligible term optionsShown in your live quote
Illustrative UI only. The account determines which term choices are actually available.
Alternative credit routes
Trust can support a route. It does not replace affordability.
Stelo can use verified relationship context in Community Trust Based and Employer Trust Based flows while keeping the customer's own effective credit ceiling in control.
Verified community relationships can contribute context.
Referral or guarantee relationships can be part of an eligible product route, but they do not create unlimited credit or bypass the customer's own assessment.
Explore community trust →Employment verification can strengthen financial context.
An eligible employment relationship can support verification of the customer's financial position while affordability, exposure and loan-level approval remain required.
Explore employer trust → Responsible product design
The product ladder should grow through evidence—not pressure to borrow more.
A larger catalogue tier should never be framed as a target. Stelo's model keeps affordability, existing obligations and fresh assessment relevant at each step.
No guaranteed progression
Successful repayment can contribute positive history without automatically unlocking the next tier.
Exposure stays visible
Active loans and relevant guarantee obligations can reduce room for additional credit.
Quote before commitment
Customers should see the specific amount, term, charges and repayment obligation before confirming.
Server-authoritative controls
The app presents eligibility, but the authoritative lending state and calculation remain on the backend.
Product FAQ
Understand the catalogue before you request credit.
Public product information explains the structure. Your live Stelo account shows what is currently eligible and the exact quote attached to a request.
Can I choose any amount from Stelo 1K to Stelo 75K?
No. The catalogue can show every tier, but only tiers within your current eligibility and effective credit limit can be selected.
Does paying one loan unlock the next tier automatically?
No. Responsible repayment can support future profile confidence, but the next assessment still considers current affordability, exposure and applicable controls.
Are 30, 45 and 60 day terms always available?
No. Those are supported product term structures. The exact options depend on the product and your current eligibility.
Where do I see the exact cost of a loan?
The live quote shown before you confirm the request should disclose the applicable charges and total repayment obligation for that specific loan.
Explore the platform
See what powers eligibility, money movement and responsible credit.
Continue to the platform features behind the product catalogue.