Berry is Kenya’s most flexible mobile lending app. We strive to provide financial inclusion for people from all walks of life by leveraging on technology to provide cash loans right on their mobile phones at low and easy repayment schedules. We make it effortless for you to access credit, wherever and whenever you need it. Complete our easy application procedure and you will promptly receive your loan straight into your mobile money wallet Berry is the mobile app that brings colour, vivacity and the juice in life. Berry. More cash, more life.
Berry has offices in Nairobi, Kenya
Berry is currently accessible on the Safaricom network, with intent to expand our coverage in the near future.
You can send a message on the App or email on email@example.com. We will be glad to help you.
Berry collects your personal information like name, mobile telephone number, national ID and date of birth; which cannot be changed. However, you can update your profile picture by clicking on the edit button.
To register a new mobile number, please send us a request on the App.
Berry makes it easy. To apply, you only need your smart-phone, National ID and Safaricom mobile number. We will also seek your consent to access data on your phone in order ascertain your eligibility.
Data from your phone, including your mobile-phone usage patterns is considered when making the lending decision. This is combined with your Berry repayment records that gradually build a personalized credit score, determining the credit offers you receive.
If your loan application was not successful, don't worry! It may take several attempts to qualify for a loan. We encourage you to keep the Berry app on your phone and continue saving data on your phone and reapply after the period given.
We strive is to process all loan applications within a few minutes. However, on a case by case basis, the verification process duration may differ.
Our credit facilities range from Ksh. 500 to Ksh. 50,000. If you repay loans as scheduled, you boost your chances to access a higher loan limit.
Your credit amount is determined by a number of factors, including repayment history. If you repay each instalment by its due date, you boost your chances to access larger loan amounts in future. Note that the increase may not always be immediate and that repaying your loan late may result in reduced loan offers.
Rates are determined by several factors, including your Berry repayment records and the cost of lending for us. You are also required to cover any mobile money transaction costs, such as M-PESA charges, associated with loan repayment. Standard SMS and data charges by your mobile service provider may apply.
Your loan offers are automatically determined by a number of factors. Even though it may not always increase immediately, you can be assured it will increase gradually as you continue to borrow with Berry and repay the loans as scheduled.
To make a repayment, please follow the following steps
To view your repayment information, kindly click on the menu on your top left and select “Loan History”. You will be able to see your due date and the amount due.
If you do not receive a confirmation from Berry that your repayment was received within a two (2) hours, kindly send us the transaction confirmation message you received and the number you used to make the payment via the app.
If you overpay your loan on your last repayment, the amount will be credited to your Berry wallet and you can access it anytime.
Late repayments will affect your ability to access future or larger loans and it also attracts a rollover fee. If you are very late on your payments, we report to the Credit Reference Bureau (CRB). Negative listing by the CRB may affect your ability to access loans from other lenders.
A Credit Reference Bureau (CRB) collects credit information on borrowers and can provide your repayment performance data to banks, other lenders, and prospective employers. CRBs aid to enhance financial inclusion and prevent over indebtedness.
Berry reports to Credit Info and Metropol.
Berry uses exceptional data security and encryption methods to protect the data you share with us as per GDPR regulations. We hold and maintain the data in strictest confidence. We never share your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.
For Berry to make a lending decision, we use data from your phone, which includes your handset information and financial dealing records. This information forms a pivotal function in our decision making process, enabling us to deliver prompt and consistent financial services.
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