Yes, Sevi might share customer’s loan information with CRB, for a limited credit search. When a loan is applied for, the borrower agrees with the privacy policy and terms and conditions of Sevi, which state:

“In connection with this application and/or maintaining a credit facility through Sevi, the Borrower authorizes Sevi to carry out credit checks with or obtain credit information from, a credit reference bureau. In the event of the account going into default, the Borrower consents to its name, transaction and default details being forwarded to a credit reference bureau for listing. The Borrower acknowledges that this information may be used by banking institutions and other credit grantors in assessing applications for credit by the Borrower, associated companies, and supplementary account holders and for occasional debt tracing and fraud prevention purposes.”

No, Sevi does not share customer’s loan information with other lending institutions. Sevi only provides the personal Trust Score to a lening institute when the borrower is applying for a loan at this institute through Sevi.

For more information please find the privacy statement of Sevi

For more information please find the Terms & Conditions

Pay in instalments

Sevi doesn’t dictate any credit conditions. You agree with your group or any other credit provider on the conditions of the credit. These conditions are communicated to you on check-out.

A loan is money from someone else, which you borrow for a specific period. So not repaying a loan is basically the same as stealing money. It is of utmost importance to realize repayment is a moral obligation. Sevi assists you to meet this obligation by sending you reminders to repay and making repayment very easy.

From SmartPhone
You receive reminders to pay your instalments
Click on a notification
Follow the prompts to top-up your Sevi account before the due date
On the due date the instalment is auto collected from your Sevi account

From a feature phone
You receive SMS reminders to pay your instalments
Go to M-Pesa and fill out the payment details from the SMS, before the due date
On the due date the instalment is auto collected from your Sevi account


When you do not repay on time the following actions are taken:

  • Each day you pay late you loose Sevi Trust points, which also effects the Trust Score of your group.
  • There is a seven day grace period.
  • After seven days we will hand over your account to debt collection.
  • After ninety days you are officially at default and will be listed as such.

See terms & conditions for more information.

If through some unforeseen event outside of your sphere of influence you are not able to repay, we suggest you inform your group so they can step up for you and repay on your behalf. This way the group doesn’t loose Trust points and credibility at the your loan provider.

Whether you qualifies for payment in instalments is decided by your merchant. Merchants use different criteria such as:

  • Trust Score (e.g. the max amount is determined by the Trust Score )
  • Being part of a group
  • Size of the loan group (e.g. some set a minimum of 10 members)
  • CRB rating (e.g. some require no members have a negative CRB rating)

Whether you qualify for an idividual loan to your loan group is decided by your loan group. When a loan request is not approved by your loan group you will receive feedback on why it is not approved.


Please check if you entered your phone number correctly and try again. If you still don’t receive an SMS please contact the Sevi helpdesk by clicking on the ‘phone’ icon in the app in the top right corner. You can contact us through phone or WhatsApp.

Please contact the Sevi helpdesk to restore your PIN. Contact us by clicking on the ‘phone’ icon in the app in the top right corner. You can contact us through phone or WhatsApp.

The Sevi app is currently available for Android vs. 5 and higher. The app will soon become availble for iPhone and Windows as well. If you do not have a smart phone you can still join a loan group. Please read ‘how do I join a group

Pay in Instalments smartphone app and fund to enable companies to sell on credit and grow their business.

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Phone: +254 743 623 754