Terms and Conditions

Emergency-Loans.co.ke is an information/intermediary website. We do not provide credit, make approvals, or collect repayments. Any loan you take is a contract between you and the lender.

Eligibility to use the site

You must be 18+ and use the site for lawful purposes in Kenya.

No financial advice

Content is for general information only and is not financial advice. Consider seeking professional advice before borrowing.

Accuracy and availability

We aim to keep information current but cannot guarantee completeness or that offers will be available to you. Lenders may change rates, fees, and eligibility without notice.

Affiliates and advertising

We may earn a fee when you click a link or get matched with a lender. This does not affect the information we publish and adds no extra cost to you.

Your responsibilities

  1. Check the lender’s full Terms, Privacy Policy, and Total Cost of Credit (TCC) before you accept.
  2. Borrow responsibly and repay on time.
  3. Keep your device secure and verify you’re on the correct site URL.

Intellectual property

The site’s text, graphics, and brand assets are owned by us or licensed to us. M-Pesa is a trademark of Safaricom PLC and used for identification only.

Liability

We are not liable for losses arising from your use of third-party lenders, including declined applications, fees, or repayment issues, except where the law requires otherwise.

Changes to these terms

We may update terms from time to time by posting a new version with the “Effective date”.