Helpful answers

Frequently asked questions.

Clear answers about client, savings, loans and accessing Digital Credit Provider services.

Need to know

Start with the common questions.

Open any question to read its answer. If you need something more specific, our team is ready to assist.

Is Geoland Credit Limited (GCL) a regulated financial institution?

Yes. Geoland Credit Limited is a fully licensed Digital Credit Provider (DCP) regulated by the Central Bank of Kenya (CBK). We strictly adhere to all CBK guidelines, the Data Protection Act (2019), and standard anti-money laundering (AML) protocols to ensure a safe, institutional-grade financial environment for all our clients.

Do I need to visit a physical branch to open an account or get a loan?

No. GCL operates a 100% digital, branchless ecosystem. You can register, apply for loans, sign contracts, and receive disbursements entirely from your smartphone or computer via our portal: my.geolandcredit.co.ke.

How do I register on the GCL Customer Portal?

Simply visit my.geolandcredit.co.ke, click on "Register," and fill in your basic details (National ID and Mobile Number). To finalize your registration, the system will prompt you to pay a one-time activation fee.

Why is there a KES 200 account activation fee?

The KES 200 is a one-time onboarding and security fee. Because we do not rely on manual branch verifications, this fee triggers an automated e-KYC (Know Your Customer) process.

The system instantly cross-checks your mobile payment details with the government's Integrated Population Registration Services (IPRS) database to verify your identity and protect you from fraud.

What types of loans can I apply for?

We offer a diverse portfolio tailored to different needs, including Unsecured Personal/Consumer Loans, MSME Business Loans, Digital Logbook Loans, Agri-Biz Loans, Staff Loans, Emergency Loans, Insurance Premium Financing (IPF), and the Majuu Transit Loan for Kenyans securing jobs abroad.

How long does the loan approval and disbursement process take?

Thanks to our programmatic underwriting algorithms and API integrations with Safaricom M-Pesa and commercial clearing banks, standard unsecured loans are evaluated and disbursed in minutes. Asset-backed loans (like Logbook facilities) are processed rapidly via our automated NTSA integration.

Are there any hidden fees or charges?

Absolutely not. GCL operates with 100% transparency. Before you digitally sign your loan agreement, our portal interactive calculator will display the exact Total Cost of Credit.

This includes any applicable Application Fees, Appraisal Fees (e.g., 1%), and Disbursement Fees. What you see on the screen is exactly what applies�no hidden surprises.

Do I have to sign physical paperwork?

No. Under the Kenya Information and Communications Act (KICA), clicking "I Accept" on the GCL portal generates a legally binding electronic signature. Your contract is cryptographically secured and stored digitally for your reference.

Will my loan performance be reported to the Credit Reference Bureau (CRB)?

Yes. As a CBK-regulated Digital Credit Provider, we are legally mandated to share positive and negative credit data with licensed bureaus such as Metropol and TransUnion. Maintaining timely repayments with GCL will actively boost your national credit score.

What is a Private Debt Instrument (PDI)?

The PDI platform allows individuals and corporate entities to become private commercial lenders to Geoland Credit Limited. Instead of borrowing money from a bank, GCL allows you to lend your capital directly to us to fund our fast-moving digital credit pipelines.

In exchange, GCL issues you a legally binding Electronic Corporate Promissory Note guaranteeing fixed, predictable monthly interest.

Is the PDI an investment or a savings deposit account?

No. The PDI is strictly a private commercial loan where you act as the Creditor and GCL acts as the Borrower. It is not a public savings deposit account (which is regulated under the Banking Act), nor is it a public security. It is a straightforward, legally binding corporate debt agreement.

How do I earn from my PDI commercial loan to GCL?

Interest on your advanced principal is fixed at the start of your contract. It accrues daily and is paid out as a gross monthly disbursement directly into your GCL Transaction Wallet.

Can I withdraw the interest I earn?

Yes. Your monthly interest is highly liquid. You can easily transfer it from your GCL Transaction Wallet to your registered Safaricom M-Pesa or bank account at any time, subject to standard transaction processing tariffs.

What happens when my PDI contract matures?

At the end of your agreed loan duration (tenor), you have complete control. You can choose to:

? Withdraw your original principal and final interest completely.

? Roll over (renew) the principal into a new loan to GCL while withdrawing your interest.

? Compound your returns by rolling over both the principal and the unwithdrawn interest into a new, higher-value contract.

How secure is the capital I lend to GCL?

Your commercial loan is backed by the stability of a licensed Digital Credit Provider. GCL operates with strict internal risk caps, independent internal audits, and our debt obligations are robustly secured by our performing, collateralized loan book.