Listing Policy

1. Listing Tiers

2. Who Can List

Any business operating a digital lending product accessible to Kenyan borrowers may submit a listing, including:

• CBK-licensed Digital Credit Providers (DCPs)
• Banks and SACCOs offering mobile lending products
• Regulated MFIs with digital lending arms
• Apps operating under a parent company's DCP licence

We also list unlicensed apps in our directory for transparency — with a clear "Unlicensed" badge — so borrowers can identify and avoid them. Submitting an unlicensed app for a paid Featured Listing is not permitted.

3. Required Information

All listings must include at minimum:

4. Approval Process

All listings go through a review before going live:

1. Submission & payment — form submitted and M-Pesa payment confirmed
2. Admin review — our team verifies the submitted information, checks CBK status, and confirms no prohibited content
3. Approval or rejection — listings approved within 1–3 business days. Rejected submissions receive an email explanation
4. Go live — approved listings are published and the featured period (if applicable) begins from the publication date

We reserve the right to modify submitted information for accuracy, grammar, or formatting without changing the substantive meaning.

5. Featured Listings Policy

• Featured listings are paid placements and do not imply editorial endorsement by Loanely
• Featured lenders must hold a valid CBK licence (for DCP-regulated products)
• The featured period begins on the date admin approval is granted, not the date of payment
• At the end of the featured period, listings automatically revert to Basic. The lender will receive a courtesy renewal email 7 days before expiry
• Featured listings can be renewed at any time by submitting a new listing or contacting us at hello@loanely.co.ke
• We limit the total number of Featured Listings on the homepage carousel to maintain quality. First-come, first-served

6. Accuracy Obligation

By submitting a listing, you confirm that:

• All submitted information is accurate to the best of your knowledge
• Interest rates, fees, and loan terms reflect your current product offering
• You are authorised to represent the business being listed

You agree to notify us promptly at hello@loanely.co.ke if any material information changes (e.g. interest rate increases, CBK licence revocation, app discontinuation).

Providing materially false information is grounds for immediate removal without refund.

7. Prohibited Listings

We will not list — and will remove — any app or lender that:

• Is operating illegally under Kenyan financial regulation
• Has been flagged or investigated by the CBK for consumer harm
• Charges interest rates in excess of CBK-permitted limits
• Accesses borrower phone contacts without consent for debt collection
• Submits misleading loan terms to secure a higher listing tier
• Has been the subject of substantiated fraud complaints

8. Removal Policy

Loanely may remove or suspend a listing at any time if:

• The lender's CBK licence is suspended, revoked, or lapses
• We receive credible evidence of predatory or illegal lending practices
• Submitted information is found to be materially false
• The lender requests removal of their own listing

Lenders may request removal of their listing at any time by emailing hello@loanely.co.ke. Listing fees are non-refundable upon voluntary removal.

Where a listing is removed for policy violation, no refund of the listing fee will be provided.

9. Renewal & Expiry

Basic listings do not expire. No renewal is required.

Featured listings expire at the end of the purchased period (1, 3, or 12 months). There is no automatic renewal. The listing will automatically revert to Basic status on expiry. Loanely will send a renewal reminder email 7 days before the featured period ends.

To renew a featured listing, visit loanely.co.ke/pricing or contact us directly.

10. Disputes

Disputes regarding listing approvals, removals, or payments should be directed to hello@loanely.co.ke. We aim to resolve all disputes within 5 business days.

Disputes are governed by the laws of the Republic of Kenya. Loanely's editorial and listing decisions are final.

11. Contact