Your Credit Score

At L-Pesa, we have developed a credit score system to enable those who pay back their loans on time access to more funds when they need them. We use this score to differentiate our high-risk customers from our low-risk ones. If you are a low-risk customer and are able to increase your credit score consistently, then you are able to take advantage of a range of value added services. Our credit score system is based on a weekly repayment rate. When you start using our service with your first loan, your credit score is at zero. Each time that you complete a payment on time, your credit score goes up by one point. You will have five weeks to complete the payments for any loan and you end up with credit score of 5.

Once you have completed the payments, you are eligible for a higher loan. For each week that you complete the payment on time, you receive another credit score of one.

The credit levels you can achieve are as follows:

$1 First-Time Customer – Credit Score of 0
$2.5 to $95 Seasoned Customer – Credit Score of 0 – 186
$100 to $575 Preferred Customer – Credit Score of 196 - 725
$600 to $700 Gold Customer – Credit Score of 755 - 800

When you reach a credit score of 100 or more, you become a preferred customer and are eligible for a range of benefits from L-Pesa.

Customer Status	Credit Score	Loan amount	Days	Weeks
Seasonal Customer	0	$2.5	63	9
Seasonal Customer	0	$3	63	9
Seasonal Customer	0	$4	63	9
Seasonal Customer	0	$5	63	9
Seasonal Customer	0	$6	63	9
Seasonal Customer	0	$7	63	9
Seasonal Customer	20	$8	63	9
Seasonal Customer	20	$9	63	9
Seasonal Customer	25	$10	63	9
Seasonal Customer	30	$12.5	63	9
Seasonal Customer	32	$15	63	9
Seasonal Customer	37	$17.5	63	9
Seasonal Customer	40	$20	63	9
Seasonal Customer	42	$25	63	9
Seasonal Customer	45	$30	63	9
Seasonal Customer	50	$35	63	9
Seasonal Customer	55	$40	63	9
Seasonal Customer	60	$45	63	9
Seasonal Customer	65	$50	63	9
Seasonal Customer	70	$55	63	9
Seasonal Customer	75	$60	63	9
Seasonal Customer	80	$65	63	9
Seasonal Customer	85	$70	63	9
Seasonal Customer	85	$75	63	9
Seasonal Customer	85	$80	63	9
Seasonal Customer	85	$85	63	9
Seasonal Customer	85	$90	63	9
Seasonal Customer	85	$95	63	9
Preferred Customer	100	$100	63	9
Preferred Customer	150	$125	63	9
Preferred Customer	150	$150	63	9
Preferred Customer	150	$175	63	9
Preferred Customer	150	$200	63	9
Preferred Customer	400	$225	63	9
Preferred Customer	400	$250	63	9
Preferred Customer	400	$275	63	9
Preferred Customer	400	$300	63	9
Preferred Customer	600	$325	63	9
Preferred Customer	600	$350	105	15
Preferred Customer	600	$375	105	15
Preferred Customer	600	$400	105	15
Preferred Customer	600	$425	105	15
Preferred Customer	600	$450	105	15
Preferred Customer	600	$475	105	15
Preferred Customer	600	$500	105	15
Preferred Customer	700	$525	105	15
Preferred Customer	700	$550	105	15
Preferred Customer	700	$575	105	15
Gold Customer	800	$600	105	15
Gold Customer	800	$625	105	15
Gold Customer	800	$650	105	15
Gold Customer	800	$675	105	15
Gold Customer	800	$700	105	15

Defaulting on your loan

If you default on your repayments, or you make a repayment late, you will lose one credit point for each week. Should you miss or delay 10 repayments in a row, your credit score will automatically change to zero, and you will have to wait a one full year to be able to build your credit score from scratch and only after you clean your previous loan.

Your Credit Score

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Your Credit Score

The credit levels you can achieve are as follows:

Defaulting on your loan

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