Empowering Kenya's workforce with dignity-first credit.
Betasoft Credit Limited was founded on a simple conviction: hardworking Kenyans deserve transparent, affordable credit without suffering the punitive interest rates and harassment of informal shylocks and predatory digital lenders.
Our Mission
To expand economic stability for Kenya's public and private workforce by delivering responsible, transparent, and prompt payroll check-off credit facilities that safeguard household cash flow.
Our Vision
To be East Africa's most trusted employee financial wellness partner, recognized for institutional integrity, exemplary customer experience, and sustainable non-predatory credit practices.
Radical Transparency
No hidden rollover costs, no unexpected processing fees, and full disclosure of how interest is calculated before you sign.
Borrower Dignity
We reject aggressive collection harassment and contact scraping. Credit should elevate household dignity, not provoke anxiety.
Convenience
Apply online, receive approved funds by M-Pesa or bank transfer, and repay automatically through payroll check-off. No queues, no Paybill deadlines.
Statutory Prudence
Strict adherence to Kenya's Employment Act 1/3 take-home rule helps protect our borrowers from becoming overleveraged.
Born out of a desire to eliminate predatory lending traps.
In 2012, our founders observed a troubling trend in Kenya: civil servants, teachers, and salaried corporate staff were increasingly forced to turn to informal street lenders charging 20% to 30% per month, or lenders that seized vehicles without fair notice over minor repayment delays.
Betasoft pioneered an alternative model: by partnering directly with employers' human resource and payroll divisions, we could safely underwrite loans on a check-off basis. This enabled us to lend without collateral on our check-off products, drastically lower interest rates to single digits, and automate collections straight from the monthly payroll batch.
Regulatory Compliance Statement
Central Bank of Kenya (CBK)
Betasoft Credit Limited is licensed and regulated under the Central Bank of Kenya (Digital Credit Providers) Regulations 2022. License No. CBK/DCP/2026/203.
Data Protection Commissioner
Fully registered data controller and processor under the Kenya Data Protection Act 2019
Credit Reference Bureau Reporting
Active reporting member of licensed Kenyan CRBs (TransUnion, Metropol, Creditinfo), enabling diligent borrowers to systematically improve their formal credit profiles.