Make smarter financial decisions with Kamoa. Whether you are looking to improve your understanding of financial concepts, gain personalized insights to know your money better, access funding, or earn extra cash, Kamoa has you covered.

At Kamoa, we understand that financial challenges are a part of everyday life. That’s why we’ve built an app designed to help Kenyans meet their financial needs, whatever they may be.

HOW KAMOA WORKS
Kamoa tailors its services to you. We use the financial data you share to build a profile of your financial health, allowing us to provide personalized insights, recommendations, and loan offers that match your needs. We believe in empowering users and ensuring that you benefit from your data.

WHY CHOOSE KAMOA?
1. Empower Yourself with Financial Education
Understand key financial concepts and make informed decisions. Kamoa equips you with the knowledge to take control of your finances.
2. Receive Personalized Insights and Recommendations
Get tailored advice to maximize your money. Kamoa uses your financial transactions to guide you toward better spending, saving, and borrowing decisions.
3. Grow Your Credit Score
Track, build, and improve your credit score effortlessly. A stronger score means better financial opportunities.
4. Access Loans From Trusted Lenders
Connect to a network of trusted lenders across Kenya. Enjoy fast, secure loans without collateral or paperwork.
5. Get Cash Back on Your Loans
Borrow smarter with Kamoa’s cash back feature. Every loan you take earns you rewards.
6. Earn Through Referrals
Invite friends and earn rewards for every successful referral. Share Kamoa’s benefits and grow your income.

LOAN DETAILS
Kamoa partners with third-party lenders offering digital, business, car, logbook, device, and e-bike loans. Loan terms include:
Tenure: 62 to 90 days
Loan Amounts: KES 500 to KES 100,000
APR: 10%-360% (Monthly interest: 0.83% to 30%)
Example (Bayes Loan Product):
Borrow KES 2,000 at 292% APR for 12 weeks and repay KES 3,348. The total interest is KES 1348.

DOWNLOAD KAMOA TODAY
Unlock a world of financial possibilities. Borrow, grow, and earn—because your financial success starts here. Kamoa is your partner in financial freedom.

CONTACT US
[email protected]
https://kamoa.app/

PRIVACY AND DATA
Your data is safe with Kamoa. We use advanced encryption and comply with Kenya’s Data Protection Act. Your data is never sold—it’s used responsibly to ensure you get the most out of Kamoa. We believe in using data to benefit our customers. We use your financial transaction data to generate personalized insights, create an accurate picture of your financial profile, and find the best loan offers for you.
https://kamoa.app/legal/data-privacy

DISCLAIMERS
Kamoa is not a lender. We connect users with lenders who determine rates and terms. Visit lender websites for details.
https://kamoa.app
Kamoa: Make Smarter Financial Decisions
Discover tools to understand your finances, earn money, and access funding. Your all-in-one platform for more financial control.
https://kamoa.app
Kamoa: Make Smarter Financial Decisions
Discover tools to understand your finances, earn money, and access funding. Your all-in-one platform for more financial control.