Income & cash flow
Declared, observed and verified income context can help Stelo understand whether repayment fits the customer's normal financial activity.
Your Stelo Credit Profile
A financial picture built from relevant evidence—not assumptions.
The Credit Profile is the context Stelo uses to understand repayment capacity, confidence in available information and current financial exposure. It supports eligibility; it does not guarantee a loan.
Stelo Credit ProfileFinancial contextConfidence + affordability + exposure
IncomeCash-flow context
ExpensesRecurring obligations
HistoryRepayment behaviour
ConfidenceVerified evidence
RelevantFocus on information tied to affordability and repayment.
ConsentedUse data through clear user permission and product need.
ExplainableSeparate the profile from the actual loan decision.
What can shape the profile
The strongest signals are financial, behavioural and verifiable.
Stelo's public model focuses on information that helps answer a practical question: can this obligation fit the customer's current financial position?
Expenses & obligations
Recurring commitments matter because affordability is about what remains after ordinary financial obligations—not income in isolation.
Repayment behaviour
How prior obligations are serviced can become part of the account's future risk context and confidence over time.
Verification confidence
Verified information can carry more confidence than incomplete or inconsistent information, without turning any single signal into automatic approval.
Existing exposure
Outstanding borrowing, current repayment obligations and relevant guarantee exposure can reduce room for additional credit.
Consistency over time
A more complete and consistent financial history can provide clearer context than a single transaction or a one-day snapshot.
How signals become useful
The profile should answer affordability questions—not judge a person's worth.
Stelo's public product language deliberately separates repayment-relevant evidence from personal characteristics that do not belong in an affordability decision.
Use
Financial capacity — income patterns, obligations, exposure and repayment behaviour.
Use
Verification confidence — whether information is complete, consistent and appropriately verified.
Avoid
Irrelevant identity proxies — personal characteristics should not substitute for evidence of affordability.
Avoid
One-signal shortcuts — a single transaction, relationship or behavioural guess should not become automatic approval.
Illustrative profile viewFinancial confidence
Cash-flow confidenceContext developing
Affordability roomAfter obligations
Repayment historyBuilds over time
Profile outputEligibility contextThe actual effective limit and loan decision remain server-authoritative.
On your deviceRelevant transaction parsing
1
Identify transaction information relevant to financial analysis.
2
Convert that information into useful aggregates and indicators.
3
Send the derived financial context needed for Stelo assessment.
Raw message history is not the intended credit-analysis payload.
Consent-led Android analysis
Derive useful financial context without treating raw messages as the product.
Where the Android app uses M-Pesa transaction messages as one input, the intended architecture is to process relevant information locally and send derived aggregates used for assessment. This keeps the credit model focused on financial signals rather than collecting unrelated message content.
Read the homepage privacy summary What the profile can influence
A profile can support a decision. It does not replace the decision.
Eligibility
Whether the account currently meets the conditions to access particular lending options.
Effective limit
The current maximum borrowing ceiling after relevant profile and exposure controls.
Available products
Which amount tiers and terms can be selected within current eligibility.
Future reviews
How new evidence and repayment behaviour may change the financial picture over time.
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Important distinction
Even when your profile supports a particular limit, a specific loan request can still be subject to approval checks. Registration, a profile, an eligible product and an approved loan are not the same thing.
Credit Profile FAQ
What the profile means—and what it does not.
The actual data and controls shown in your account remain authoritative for your own eligibility.
Is my Stelo Credit Profile the same as approval?
No. The profile supports eligibility and affordability assessment. A specific loan request can still require a separate approval decision.
What financial information can matter?
Relevant context can include income and cash flow, recurring expenses, liabilities and exposure, repayment behaviour, verification information and consented transaction-derived aggregates.
Does one good signal guarantee a higher limit?
No. Stelo considers the wider financial picture rather than treating any single signal as an automatic reason to increase borrowing capacity.
Does Stelo need my complete M-Pesa message history?
The intended Android design can process relevant transaction information locally and send derived financial aggregates rather than using raw message histories as the credit-analysis payload.
Next guide
See how the profile becomes eligibility and a hard credit ceiling.
The next step is understanding what your current profile can actually make available.