Frequently Asked Questions

Dream Credit Limited is a registered Kenyan financial services company providing fast, flexible financing solutions to Kenyan businesses and individuals. We offer working capital, asset finance, business expansion loans, and more.

Dream Credit Limited is a registered Kenyan company and our licence application with the Central Bank of Kenya (CBK) is in progress. We operate in full compliance with all applicable Kenyan lending regulations.

Kenyan citizens and residents aged 18+ with a valid National ID can apply. Business loans require a registered business entity.

We offer 8 loan products: Working Capital, Business Expansion, Asset Financing, Restocking Loan, Emergency Loan, Structured Credit Facilities, Import & Export Duty Financing, and Agri-Business Loans.

Loan amounts range from KES 100,000 to KES 20,000,000 depending on the product, your business profile, and available collateral.

Our rates are competitive and vary by product and risk profile. Contact us for a personalized quote — we're transparent about all costs before you commit.

You can apply online through our portal, via WhatsApp, or by visiting our office. The online application takes about 5 minutes.

At minimum: National ID and KRA PIN certificate. Business loans may require bank statements, business registration, and other documents depending on the product.

Once your application and documents are approved, funds can be disbursed to your bank account within 24 hours.

Yes, you can have multiple active loans depending on your creditworthiness and repayment history.

Repayments are made via M-Pesa Paybill. You'll receive your unique paybill number and account details upon disbursement.

No. You can repay your loan early at no additional cost. We encourage early repayment.

We'll send you reminders before and after due dates. If you're facing difficulties, contact us — we work with borrowers to find solutions.

Yes, in some cases we can restructure repayment terms. Contact our team to discuss your situation.