Bayes, the trading name of PI Capital, is a Nairobi-based microfinance institution dedicated to providing accessible financial solutions to Kenyans.

Since its inception in 2018, Bayes has served over 500,000 customers across Kenya, offering a variety of loan products tailored to meet individual and business needs.

Bayes specializes in mobile loans, logbook loans, merchant loans, salary advance and Buy now pay later (Bnpl), making it a key player in the Kenyan financial sector.

As a mobile lender, Bayes leverages advanced technology from its parent company to ensure efficiency and seamless customer experience.

This technology allows customers to access a range of banking services through their mobile devices, ensuring convenience at the touch of a button.

One of Bayes’ core strengths is its commitment to transparency, affordability, and control, offering customers financial services without hidden fees or complicated processes.

Key products and services

Mobile loans

Bayes provides instant mobile loans of up to KSh50,000. Customers can grow their credit limits through responsible borrowing and timely repayments.

To apply, users simply dial USSD code 21888# or use the Bayes app. The repayment process is equally simple, using Paybill number 599862 or the app itself.

Logbook loans:

This product enables customers to access up to 80% of the forced sale value of their vehicles, with an interest rate as low as 3.5%. This makes it one of the most competitive logbook loan options in Kenya.

Merchant loans

Ideal for small businesses, merchant loans provide quick and flexible funding to help startups or established businesses manage cash flow or expand. Bayes ensures that entrepreneurs have access to vital funds within minutes, making it easier to sustain or grow their enterprises.

Salary advance:

Designed for employees, the salary advance product offers quick access to funds to help bridge financial gaps between paydays.

The Buy Now Pay Later (BNPL):

It offers businesses an innovative way to collaborate by providing customers with flexible credit terms. Through partnerships with companies, like e-commerce platforms, customers can make purchases on credit, within limits set by Bayes.

This simplifies the buying process by enabling customers to access credit directly on the partner company’s platform, enhancing their purchasing power and improving the overall customer experience.

Businesses benefit from increased sales, customer loyalty, and new revenue streams, while customers enjoy convenient and flexible payment options.

Loan application process:

Bayes prides itself on a fast and easy loan application process. Customers can register, apply, and receive their loans directly to their Mobile Money or bank accounts within minutes.

This efficient process eliminates the need for paperwork and long waiting times.

Why choose Bayes?

Instant Cash: Once approved, loans are disbursed in real-time to customers’ accounts.

Affordability: Bayes offers one of the most competitive interest rates in the market, with fair fees and charges to ensure accessible loans.

Flexible Repayment: Customers can choose repayment terms ranging from one week to a month, allowing for tailored financial solutions.

No hidden fees: Bayes guarantees that all loans are straightforward with no hidden fees, giving borrowers full control over their financial decisions.

With a vision of empowering dreams through responsible lending and a mission to deliver innovative and ethical financial solutions, Bayes positions itself as a reliable financial partner.

Whether you’re an individual seeking personal finance or a business looking to grow, Bayes is designed to fit your busy lifestyle, providing financial support when you need it most.

Download the Bayes app today from the Google Play Store and experience the convenience of flexible, transparent, and fast loans.