Frequently Asked Questions

FAQ

We provide a range of financial solutions, including personal loans, emergency loans, education loans, agriculture loans, home improvement loans, and business financing.

Kenyan citizens or residents aged 30 years and above with a valid national ID, proof of income, and an active bank or mobile money account can apply.

You can apply directly through our website by filling out the online loan application form

Kindly click on the loan product for better guidance.

Loan processing time depends on the type of loan, but approvals are often completed within 10–30 mins once all requirements are met.

Our loan amounts vary depending on the product and your eligibility. Our ticket size starts from KES 5,000 to as high as KES 200,000 for unsecured. Secured loans start from KES 50,000 to millions based on the NEED & COLLATERAL.

Some loans may require collateral or a guarantor based on the requested amount, while others (like emergency loans) may not.

Interest rates vary from 10% to 30% for 30 days period or one (1) month.

Repayments can be made via bank transfer, M-Pesa Paybill, or direct bank transfer, direct funds deposits, cheques deposits, depending on the agreed terms. NO cash payments.
 
Late payments may attract penalties, and could affect your credit rating. If you anticipate challenges, contact us via info@orbitcapital.co.ke immediately to discuss repayment options.
Yes, disbursements directly to your M-Pesa account or your preferred bank account.
Absolutely. We follow strict data protection and privacy policies to ensure your information is safe and secure. Orbit Capital Limited is a certified Data Processor and Data Controller by Office of Data Protection Commission ( ODPC).
You may apply for multiple loans if you meet the eligibility criteria and your repayment capacity supports it.
Our offices are located in Nairobi, Kenya. You can find our address and contact details on our Contact Us page.
Absolutely. We encourage responsible borrowing to avoid overborrowing and uncontrolled use of borrowed facilities. We only finance customer needs and not wants. Orbit Capital encourages discipline in borrowing and utilization of borrowed funds.
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