Affordability first
Income and cash-flow context should be considered together with recurring expenses, liabilities, current loans and relevant guarantee exposure.
Responsible Lending
Credit should support progress without hiding the repayment reality.
Stelo is designed to constrain borrowing through affordability, current exposure, transparent limits and a clear quote before commitment.
Hard ceilings
The effective credit limit caps available borrowing. A product above that ceiling can remain visible while being unavailable for selection.
Transparent quote
The authenticated quote should show the actual amount, term, applicable charges, total repayment obligation and due date before confirmation.
Conservative progression
First access can be smaller and later limits can change as more reliable history becomes available. Growth is assessed, not promised.
No pressure to borrow
An available limit is not a target. Customers should borrow only what they need and can reasonably repay under the shown terms.
Confirmed money movement
Stelo should not treat a disbursement or repayment as complete until the authoritative M-Pesa/payment result confirms success.
Before confirming credit
Read the live quote, not just the product name.
Marketing pages describe the structure of Stelo. Your authenticated quote is where the actual transaction terms must be reviewed.
AmountHow much will actually be disbursed?
TermWhen is repayment due?
ChargesWhat fees or other charges apply?
TotalWhat is the total amount you must repay?
Repayment difficulty?
Contact repayment supportContact support before the problem becomes harder to resolve.
Available options depend on the loan agreement and account circumstances; contacting support does not guarantee a particular restructuring or extension.