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Simple pricing for institutions that are ready to grow.

No surprise invoices. No per-seat fees. No long-term contracts. Just a flat monthly price that scales with your institution — not against it.

Chama

Single-branch MFIs managing up to 200 active loans

Kes 8000

/month

Plan Includes:

  • Admin web dashboard
  • BDO / Branch Manager dashboard
  • Member mobile app (Android)
  • Loan application and approval workflow
  • M-Pesa disbursement and repayment tracking
  • Live loan portfolio analytics
  • Report generation and download
  • Role-based user management
  • Unlimited branches and member groups
  • Email support

Self-serve onboarding included free. Optional guided onboarding available for KES 7,500 (one-time).

Pro

Popular

Multi-branch MFIs managing up to 1,000 active loans

Kes 25,000

/month

Plan Includes:

Everything in Starter, plus:

  • Operations Manager dashboard
  • Advanced analytics — portfolio trends, default risk, officer performance
  • Priority email and phone support
  • Free professional onboarding (KES 7,500 value, included)
  • Early access to new features

Enterprise

Large MFIs, SACCO networks, and institutions wanting a whitelabelled platform.

KES 50,000

/month

Plan Includes:

Everything in Pro, plus:

  • Whitelabel option — your brand, your domain, your app store listing
  • Dedicated environment — your data only
  • Custom feature development
  • API access for integrations
  • SLA-backed uptime guarantee
  • Dedicated implementation support

*All plans billed monthly. Annual billing available on request. Prices exclude VAT. No long-term contracts required on Starter or Pro.

What's included across all plans

Starter
Pro
Enterprise
Loan management (full lifecycle)
✓
✓
✓
M-Pesa disbursement & repayment
✓
✓
✓
Member registration & groups
✓
✓
✓
Member mobile app (Android)
✓
✓
✓
Role-based access control
✓
✓
✓
Report generation & export
✓
✓
✓
Repayment reminders & escalation
✓
✓
✓
Multi-branch management
—
✓
✓
Inventory & product management
—
✓
✓
SASRA compliance reporting
—
✓
✓
Advanced analytics dashboard
—
✓
✓
Whitelabel & custom branding
—
—
✓
API access & integrations
—
—
✓
Dedicated instance
—
—
✓

Common questions about pricing

Contact us

Starter comes with a self-serve onboarding guide and email support — no setup fee. Pro and Enterprise include hands-on onboarding from our team at no extra charge.

Yes. You can upgrade at any time. Your data, your loan history, and your team accounts all carry over.

Any loan with an outstanding balance. Loans that are fully repaid or written off don’t count toward your limit.

Yes. Book a demo and we’ll walk you through a fully enabled system. No credit card required.

Starter and Pro run on our secure shared infrastructure. Enterprise gets a fully dedicated instance — your data is completely isolated. All plans use encrypted data storage and role-based access controls.

Yes. CredifyOS is fully cloud-based — all you need is an internet connection. We’ve onboarded institutions across Kenya.

Not sure which plan fits?

Talk to us. We’ll look at your loan book size, branch structure, and team — and tell you honestly which tier makes sense.

Most institutions start on Pro.