Terms & Conditions

1. Acceptance of Terms

By accessing and using the services provided by SAME DAY CREDIT LTD ("Company", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

SAME DAY CREDIT LTD provides microfinance services including but not limited to personal loans, business loans, and other financial products to individuals and businesses across Kenya. Our services are designed to promote financial inclusion and support economic growth in communities nationwide.

3. Eligibility

To be eligible for our services, you must:

• Be at least 18 years of age
• Be a Kenyan citizen or legal resident
• Provide accurate and complete information
• Meet our credit assessment criteria
• Comply with all applicable laws and regulations

4. Loan Terms and Conditions

All loans are subject to the following terms:

• Interest rates and fees as disclosed in your loan agreement
• Repayment terms as agreed upon during application
• Late payment penalties as specified in your contract
• Right to early repayment with applicable terms
• Collateral requirements where applicable

5. Application Process

By submitting a loan application, you agree to provide accurate, current, and complete information. We reserve the right to verify all information provided and may request additional documentation. Approval is subject to our credit assessment and risk management policies.

6. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Our collection, use, and protection of your data is governed by our Privacy Policy, which forms part of these terms. By using our services, you consent to our data practices as described in our Privacy Policy.

7. Prohibited Uses

You may not use our services for any unlawful purpose or to solicit others to perform unlawful acts. Prohibited uses include:

• Providing false or misleading information
• Using funds for illegal activities
• Attempting to circumvent our security measures
• Violating any applicable laws or regulations

8. Limitation of Liability

To the maximum extent permitted by law, SAME DAY CREDIT LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses resulting from your use of our services.

9. Governing Law

These terms shall be governed by and construed in accordance with the laws of Kenya. Any disputes arising from these terms or your use of our services shall be subject to the exclusive jurisdiction of the courts of Kenya.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes through our website or other appropriate means. Your continued use of our services after such changes constitutes acceptance of the new terms.

11. Contact Information

If you have any questions about these Terms & Conditions, please contact us at: