Financial setbacks happen.
Whether it was an unexpected medical bill, loss of employment, business challenges, or delayed payments, many Kenyans have found themselves listed with a Credit Reference Bureau (CRB). Unfortunately, being listed often makes it difficult to access financing—even when you have the ability and willingness to repay.
At APF, we believe that one financial challenge should not permanently limit your opportunities.
That’s why we created the Wezesha Loan—a financing solution designed to help eligible borrowers regain access to credit while taking positive steps toward rebuilding their financial future.
What is the Wezesha Loan? #
The Wezesha Loan is a financial solution offered by APF for individuals who may have experienced credit challenges and are looking for a responsible path back into formal financing.
Rather than focusing solely on past credit history, the Wezesha Loan seeks to support borrowers who are committed to moving forward responsibly.
Whether you are employed, self-employed, or running a business, the Wezesha Loan could provide the financial support you need to achieve your goals.
Borrow Up to KES 3 Million #
Eligible applicants can access:
✔ Financing of up to KES 3 Million
✔ Repayment periods of up to 3 Years
✔ Flexible financing designed around your repayment ability
✔ Professional guidance throughout the application process
Why Access to Credit Matters #
Access to financing creates opportunities.
It allows entrepreneurs to expand businesses, families to meet important financial obligations, professionals to invest in their careers, and households to navigate unexpected expenses.
When access to credit disappears because of a previous financial setback, rebuilding becomes even harder.
The Wezesha Loan exists to bridge that gap responsibly.
Can You Get a Loan if You’re Listed on CRB? #
One of the most common questions we receive is:
“Can I get a loan while listed on CRB?”
The answer depends on your individual circumstances.
Not every CRB listing is the same, and eligibility is assessed based on APF’s lending criteria and responsible credit assessment process.
If you have experienced financial challenges but are now in a better position financially, it’s worth speaking with our lending team to understand whether the Wezesha Loan is suitable for you.
Benefits of the Wezesha Loan #
The Wezesha Loan is designed to provide more than financing.
It provides an opportunity to:
- Regain access to formal credit
- Work towards rebuilding your credit profile through responsible borrowing
- Access financing that supports personal or business growth
- Build long-term financial confidence
- Partner with a lender that believes in financial inclusion
Responsible Borrowing Starts Here #
At APF, we encourage responsible borrowing.
Before taking a loan, consider:
- How much financing you genuinely need.
- Whether the repayment fits comfortably within your monthly income.
- Borrowing for productive purposes whenever possible.
- Maintaining timely repayments to strengthen your financial profile.
Responsible borrowing today creates greater financial opportunities tomorrow.
Why Choose APF? #
APF is committed to making finance more accessible through responsible lending solutions.
Our approach focuses on:
- Customer-centered lending
- Transparent processes
- Flexible financial solutions
- Financial inclusion
- Long-term customer relationships
Because everyone deserves an opportunity to move forward.
Speak to Our Team #
If you’re looking for financing and want to learn whether the Wezesha Loan is right for you, we’d be happy to help.
Our team will guide you through the application process and answer any questions you may have.
Terms and Conditions apply.
