Your credit profile
The financial picture Stelo uses to understand relevant risk and affordability signals.
Explore the Credit Profile → The complete Stelo journey
Know what happens before, during and after a loan.
Stelo separates your financial profile, your current eligibility, your effective credit limit and the final loan decision. That makes the journey easier to understand without treating registration as a promise of credit.
01ProfileFinancial context
02LimitCurrent ceiling
03Eligible creditAvailable choices
04M-PesaDisburse & repay
Profile ≠ approvalYour profile informs eligibility; it is not a loan promise.
Limit = ceilingYou cannot borrow above your effective current limit.
Quote before confirmationReview the actual amount, term and charges shown to you.
Eight clear stages
From creating an account to building your next profile review.
The exact screens can evolve, but the underlying lending controls stay separate and explicit.
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01Account
Create and verify your Stelo account
Register with the required account information and complete the verification steps needed before protected lending actions become available.
Identity & account checks -
02Profile
Build your financial picture
Provide the consented and relevant financial context Stelo needs to understand cash flow, obligations, repayment capacity and confidence in the information supplied.
Profile evidence -
03Assessment
Affordability and exposure are assessed
Your income context is considered alongside recurring expenses, liabilities, current borrowing or guarantee exposure and applicable risk controls.
Affordability gate -
04Limit
See your effective credit ceiling
The current limit defines the maximum borrowing room available to your account. Existing obligations can reduce the room that remains available.
Hard ceiling -
05Choice
Select only eligible credit
The catalogue can show the wider Stelo product structure while only products and terms supported by your current eligibility are selectable.
Product eligibility -
06Decision
Review the quote and submit your request
Before confirmation, review the actual amount, term, pricing and repayment obligation presented for that request. Eligibility does not itself guarantee final approval.
Loan decision -
07Money movement
Approved funds move through M-Pesa
Once approved, Stelo is designed to disburse through M-Pesa B2C. Repayment stays on M-Pesa, including STK Push where supported.
M-Pesa B2C / STK -
08History
Repayment becomes part of your future profile
How obligations are serviced over time can affect later eligibility and limit reviews. A positive repayment does not create an automatic or guaranteed increase.
Future review
Separate decision points
Four ideas that should never be confused.
Keeping these concepts distinct is what prevents the public website from making the same mistake as “instant approval” marketing.
Your eligibility
The current result of profile evidence, affordability, exposure, verification and applicable controls.
Understand eligibility →Your effective credit limit
The hard ceiling on current borrowing capacity. It can be lower than the largest product displayed in the catalogue.
See how the ceiling works →The individual loan decision
The specific request still has to pass the applicable checks before funds are disbursed.
Follow the borrowing flow → M-Pesa-first money movement
Approved credit goes out through M-Pesa. Repayment comes back through M-Pesa.
Stelo does not need to invent a general-purpose customer withdrawal wallet for the lending journey. The account tracks your loan obligations while M-Pesa handles the intended cash movement.
See repayment flow
Approved loanSteloB2C→
MM-PesaReceive funds
Repay←
Your accountLoan obligation
After repayment
Good repayment behaviour can help the profile mature. It does not guarantee the next limit.
Future access remains subject to the financial picture at that time, including new obligations and current affordability.
Obligation completed
A completed repayment becomes part of your Stelo history and closes that specific obligation.
Profile can be reviewed
Responsible repayment can support stronger confidence, but the next review still considers your then-current circumstances.
No automatic increase
Stelo does not need to promise that every completed loan produces a larger limit or immediate access to another loan.
Go deeper
Understand each part of the journey.
Use these guides to separate the profile, the borrowing ceiling, the specific loan request and repayment.