Terms & Conditions

Last updated: 21 August 2026

1. Acceptance of terms

By applying for a loan, using this website, or accepting any credit facility from Ukash Limited ("Ukash", "we", "us"), you agree to be bound by these Terms & Conditions. If you do not agree, please do not use our services.

2. Eligibility

To apply for a loan, you must:

• Be at least 18 years of age and a resident of an African country where Ukash Limited operates
• Provide accurate, complete, and truthful information in your application
• Hold a valid national identification document or passport
• Have a verifiable source of income or employment (or business registration for business loans)

Meeting these criteria does not guarantee approval. All applications are subject to review at Ukash's sole discretion.

3. Application and verification

By submitting an application, you authorize Ukash to verify the information provided, including your identity, income, employment, and creditworthiness, through any lawful means, including third-party verification services and credit reference checks where applicable.

4. Loan terms, interest, and fees

The loan amount, interest rate, repayment term, and any applicable fees will be disclosed to you in full before you accept any loan offer. Rates displayed on this website (including the loan calculator) are indicative only; your actual offer may differ based on your application and Ukash's assessment.

5. Repayment obligations

You agree to repay the loan principal, interest, and any agreed fees according to the repayment schedule provided at the time of disbursement. Repayments are due on the dates specified regardless of changes in your personal or financial circumstances, except where otherwise agreed with Ukash in writing.

6. Late or missed payments

Late or missed payments may result in additional charges, as disclosed in your individual loan agreement, and may be reported to applicable credit reference systems. If you anticipate difficulty making a payment, contact Ukash as early as possible to discuss your options.

7. Early repayment

You may repay your loan in full or in part before the end of the agreed term at any time, without penalty. Interest is only charged for the period the loan was actually outstanding.

8. Data privacy

Information you submit through this website or during the application process — including your name, contact details, identification number, employment, and financial information — is used solely to process your application and manage your loan. It will not be sold or shared with third parties except where necessary to verify your application, comply with legal obligations, or as otherwise required by law.

9. Limitation of liability

Ukash provides the information on this website, including the loan calculator, for general guidance only. While we aim for accuracy, Ukash is not liable for any loss arising from reliance on estimates or general information provided on this site. Your actual loan terms are governed solely by your individual signed loan agreement.

10. Changes to these terms

Ukash may update these Terms & Conditions from time to time. Changes will be posted on this page with an updated revision date. Continued use of our services after changes are posted constitutes acceptance of the revised terms. Terms for loans already disbursed remain governed by the agreement signed at the time of disbursement.

11. Governing law

These Terms & Conditions are governed by the laws of the country in which Ukash Limited is legally incorporated. For details on the specific governing law and jurisdiction applicable to your loan agreement, please reach out to us via our Facebook page: facebook.com/ukashlimited. Any disputes arising from these terms or your loan agreement will be subject to the jurisdiction of the competent courts of that country, unless otherwise specified in your individual loan agreement.

12. Referral program

Every Ukash customer's own full name acts as their personal referral code. If you refer someone to Ukash, simply share your full name with them. When they apply, they enter your name as their referral code in the "Referral code" field on the application form. Once their loan is disbursed, you become eligible for a 5% discount off the interest rate on your next loan with Ukash.

• The referral code is simply the referrer's full name, exactly as they registered it with Ukash.
• The discount applies to your next new loan application and cannot be exchanged for cash or applied retroactively to an existing loan.
• Ukash reserves the right to verify referrals and to decline or withdraw a referral discount in cases of suspected abuse of the program.
• Ukash may modify or end the referral program at any time; changes will not affect referrals already earned.

13. Contact us

Questions about these Terms & Conditions can be sent to limitedukash@gmail.com or +254 746 196 742.