Frequently Asked Questions (FAQs)

ChapaaNow currently supports Safaricom and provides loan disbursements through M-PESA.

Yes. Your data is protected with secure encryption and is never shared or sold to third parties, except when required by law or authorized financial regulations.

Download the ChapaaNow app from the Google Play Store and register using your own mobile number by following the on-screen instructions.

Download ChapaaNow from Google Play, register with your mobile number, provide the required information, and submit your application for approval.

To apply for a loan, only basic information is required. You will need to provide:

• Your full name and national ID number
• Your mobile phone number and email address
• Two emergency contact persons
• Basic personal and financial information for eligibility assessment

This information helps us verify your identity and determine your loan eligibility. All details are collected with your consent and handled securely.

If you forget your PIN, simply select the “Forgot PIN” option in the ChapaaNow app and follow the on-screen instructions to reset it. If you experience any difficulties, please contact our customer support team for further assistance.

Yes, you can delete your account and related data by visiting our website at https://www.juventusgroup.com.

ChapaaNow is available to Kenyan citizens who are 18 years of age or older, hold a valid national identity card, and have an active mobile phone number with a supported mobile payment account.

1. Download & Register

Download the ChapaaNow app from the Google Play Store and register using your own mobile phone number.

2. Provide Required Information

Fill in your accurate personal details so we can assess your loan eligibility and available limit.

3. Apply for a Loan

Choose your preferred loan amount and repayment term, then submit your application for review.

4. Receive Funds

Once approved, the loan amount will be disbursed directly to your M-PESA account.

Yes.ChapaaNow welcomes first-time borrowers.We assess loan applications using a range of eligibility factors and alternative data to help determine creditworthiness.

The loan amount available on ChapaaNow typically ranges fromKES 5,000 to KES 100,000, depending on your eligibility and credit assessment results.

ChapaaNow may charge the following fees, depending on your risk assessment and loan terms:

• Service Fee: 0% – 10% (based on individual risk assessment)
• Interest Rate (APR): 10% – 30%

All applicable fees, interest rates, and repayment amounts are clearly displayed in the app before you confirm your loan.

Your loan limit may increase over time based on your borrowing and repayment history.Maintaining a good repayment record by making timely paymentscan help improve your eligibility for a higher loan limit.

To view your loan details, please log in to the ChapaaNow app. Your active loan will be displayed on the homepage or in the billing section, where you can review the following information:Outstanding loan balance, Principal amount, Applicable fees and interest, Repayment due date. If you are unable to access the app, please contact our customer support team for further assistance.

Yes. ChapaaNow will send a reminder notification viaSMSto inform you of your upcoming loan repayment due date.

To repay your loan, please follow these steps:

• 1. Log in to the ChapaaNow app.
• 2. Tap “Outstanding Loans” or “Bills” on the homepage.
• 3. Select the loan you wish to repay.
• 4. Tap “Repay Now” and follow the payment instructions to complete the transaction.
• Once your payment is successfully processed, you will receive an SMS confirmation.

If your loan is not repaid by the due date, a late payment fee of up to 2% per day on the outstanding principal may be applied, in accordance with the loan terms. Late repayment may also affect your future borrowing eligibility and credit record. To avoid additional charges, please ensure your loan is repaid on or before the due date.

Yes. Once your repayment is confirmed, you may be eligible to apply for another loan, subject to credit assessment and available loan limits.