How to Create and Activate Your Account
To access our digital credit pipelines, every user
must first create a verified account.
Step 1: Visit the Portal Open a secure web
browser and navigate directly to our official client portal at my.geolandcredit.co.ke.
Step 2: Enter Your Details Click on the
registration link to open the data entry form. Note: Please have your
physical National ID card and KRA PIN ready, as these exact
details are required to build your verified profile.
Step 3: Secure OTP Validation & Password Setup
Once you submit your details, we will instantly send a unique One-Time Password
(OTP) to both your registered mobile number and email. Log in using your
National ID and this temporary OTP, and the system will prompt you to create a
secure, permanent password (must be at least 8 characters).
Step 4: Account Activation Fee To finalize your
profile, you are required to pay a one-time portal account activation fee of KES
200. Click "Pay Now" on your dashboard and input your M-Pesa
number. An automated STK push will appear on your phone—simply enter your
M-Pesa PIN to complete the activation.
Step 5: Verification & Full Access For your security, our compliance team manually verifies your identity and payment logs. Within approximately one hour, your account status will change to "Active." You now have unhindered access to all GCL portal modules, wallets, and loan features!
How to Apply for a Digital Loan
Once your account is active, you can apply for a loan
in minutes. Before starting, please ensure you have soft copies (PDFs or clear
screenshots) of your latest 6-month M-Pesa or Bank statements. If
applying for a secured Logbook Loan, also have digital copies of your NTSA
Logbook and Comprehensive Insurance Policy ready.
Step 1: Pre-Fund Your Wallet (Application Fee)
Before starting an application, navigate to the Wallet module on your sidebar
and click "Topup." Pre-fund your wallet with the mandatory KES 950
Loan Application Fee via the automated M-Pesa prompt.
Step 2: Enter Application Details Navigate to the
"Loans" section and select "Start a New Application." You
will be prompted to:
a) Add Guarantors: Provide details for
exactly two (2) guarantors for standard unsecured loans, or one (1) guarantor
for corporate workforce products.
b) Upload Documents: Securely attach your
soft-copy proof of income and (if applicable) your collateral documents.
Step 3: Review Costs & Legal Disclosures Use
our interactive portal calculator to view your exact monthly repayment
schedule, dynamic interest rates, and the total cost of credit. Please review
our legal disclosures, which include our standard 5% late payment penalty
per overdue cycle and a 15% third-party recovery surcharge in the event
of severe default.
Step 4: Submit Your Application Check the consent box and click "CONFIRM & APPLY". This establishes a legally binding digital contract under the Kenya Information and Communications Act (KICA), logging your unique digital signature securely into our system.
Underwriting, Approval & Instant Disbursement
Step 1: System Underwriting Your application is
routed through GCL’s core banking system. Low-risk applications are scored
instantly by our algorithms, while high-value applications are swiftly reviewed
by our Credit Operations Team. (Note: For secured loans, GCL will
electronically lodge a lien on the vehicle via the NTSA TIMS/eCitizen
platform).
Step 2: View Your Loan Offer & Guarantor Consent
Once approved, a legally compliant Digital Loan Offer is generated in your
portal. Simultaneously, the system sends an automated SMS to your guarantors,
prompting them to log in and digitally submit their consent to back your loan.
Step 3: Final Acceptance & Instant Payout
After your guarantors consent, simply click "I ACCEPT" on your
loan offer.
Step 4: Funds in Your Account! Our system takes
over and triggers an instant disbursement. Processing and appraisal fees (e.g.,
standard 1% appraisal) are automatically deducted from the principal balance,
and the net payout is sent directly to your M-Pesa or Bank Account without any
manual intervention.
You will receive an instant SMS confirming your active
loan, exact due dates, and repayment amounts.