Smat Moola: Fast, Convenient and Reliable Credit!

Smat Moola makes it easy for you to access loans for the way you live anytime, anywhere. Sign up in seconds, apply for a loan and receive your money straight to your account. It’s a fast, convenient and reliable way to access credit when you need it.

Available in Kenya, Tanzania, Nigeria, Philippines, and South Africa. You can get up to Ksh 5,000; Tsh 100,000; ₦15,000; 5,000 pesos; or 5,000 rands. Get the right loan for you!

Questions? We provide world-class support for your financial needs, 24 hours a day. Message us via our email.

IT’S EASY TO GET STARTED
- Create your account
- Apply in seconds
- Receive your loan straight into your mobile money, paypal or bank account
- Build your loan limit every time you repay a loan

Your mobile loan is sent to you right through your mobile money, paypal or bank account:
Kenya: Safaricom, M - Pesa, Paypal and any bank account
Tanzania: Paypal, M - Pesa, Tigo Pesa, Airtel Money
Nigeria: Any bank account, Paypal and mobile money
Philippines: Any bank account, Paypal and mobile money
South Africa: Any bank account, Paypal and mobile money

KEY SMAT MOOLA FEATURES: LOANS ARE JUST A TOUCH AWAY

Smat Moola puts you in control of your finances. The Smat Moola app lets you apply for credit on the go and it works 24/7.

- No paperwork, collateral or office visits needed
- We do not charge any fee or cost to submit a loan request
- Get access to bigger loans, lower fees, and flexible payment terms as you repay
- Loans are approved and in your account fast


SAFE AND SECURE
Smat Moola makes getting a personal loan simple by using secured verification systems to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never share your information with third parties. We only use your personal information in accordance with our Privacy Policy

RATES AND FEES
Loan amounts and interest rates vary by country.

Kenya:
Loans range from 250 Ksh – 7,500 Ksh over a 70-180 days term. Interest ranges from 13% – 29% and APR of 18% - 30%

Nigeria:
Loans range loans from ₦500 to ₦25,000 with terms from 70-180 days. Interest ranges from 12% – 30% and APR of 16% - 30%

Philippines:
Loans range from 250 to 5,500 pesos with terms from 70-180 days. Interest ranges from 13% – 29% and APR of 18% - 29%

South Africa:
Loans range from 100 to 4,000 rands with terms from 70-180 days. Interest ranges from 12% – 28% and APR of 13% – 29%

Tanzania:
Loans range from 5,000 Tsh – 100,000 Tsh over a 70-180 days. Interest ranges from 11% – 27% and APR of 13% – 31%

Representative Example:
If you borrow ₦10,000 on a 180 days repayment term, the Total repayment will be ₦10,900 after the specified duration.

CONTACT US
We’re always excited to hear from you! If you have any feedback, questions, or concerns, please e-mail us at [email protected]

IMPORTANT DISCLAIMER!!
We (Smat Moola) do strictly concur and abide by Google Play Policies, including but not limited to protecting users from harmful or deceptive financial products. You, as loan consumers, have the right to information about the quality, features, fees, risks, and benefits of loan products in order to make informed decisions about whether to undertake the loan.

We do not provide Mortgages, car loans, student loans, revolving lines of credit (such as credit cards, personal lines of credit).

Please make sure you read and understand our Privacy Policy and Terms and Conditions – which are also available in our app, before applying for loan.

Our service is provided without any warranty, if you are dissatisfied at any point with respect to our terms, you reserve the rights to discontinue using the service.