For more information please find the privacy statement of Sevi

For more information please find the Terms & Conditions

No, Sevi does not share customer’s loan information with other lending institutions. Sevi only provides the personal Trust Score to a lening institute when the borrower is applying for a loan at this institute through Sevi.

Yes, Sevi might share customer’s loan information with CRB, for a limited credit search. When a loan is applied for, the borrower agrees with the privacy policy and terms and conditions of Sevi, which state:

“In connection with this application and/or maintaining a credit facility through Sevi, the Borrower authorizes Sevi to carry out credit checks with or obtain credit information from, a credit reference bureau. In the event of the account going into default, the Borrower consents to its name, transaction and default details being forwarded to a credit reference bureau for listing. The Borrower acknowledges that this information may be used by banking institutions and other credit grantors in assessing applications for credit by the Borrower, associated companies, and supplementary account holders and for occasional debt tracing and fraud prevention purposes.”

Pay in instalments

Whether you qualifies for payment in instalments is decided by your merchant. Merchants use different criteria such as:

  • Trust Score (e.g. the max amount is determined by the Trust Score )
  • Being part of a group
  • Size of the loan group (e.g. some set a minimum of 10 members)
  • CRB rating (e.g. some require no members have a negative CRB rating)

Whether you qualify for an idividual loan to your loan group is decided by your loan group. When a loan request is not approved by your loan group you will receive feedback on why it is not approved.

When you do not repay on time the following actions are taken:

  • Each day you pay late you loose Sevi Trust points, which also effects the Trust Score of your group.
  • There is a seven day grace period.
  • After seven days we will hand over your account to debt collection.
  • After ninety days you are officially at default and will be listed as such.

See terms & conditions for more information.

If through some unforeseen event outside of your sphere of influence you are not able to repay, we suggest you inform your group so they can step up for you and repay on your behalf. This way the group doesn’t loose Trust points and credibility at the your loan provider.

A loan is money from someone else, which you borrow for a specific period. So not repaying a loan is basically the same as stealing money. It is of utmost importance to realize repayment is a moral obligation. Sevi assists you to meet this obligation by sending you reminders to repay and making repayment very easy.

From SmartPhone
You receive reminders to pay your instalments
Click on a notification
Follow the prompts to top-up your Sevi account before the due date
On the due date the instalment is auto collected from your Sevi account

From a feature phone
You receive SMS reminders to pay your instalments
Go to M-Pesa and fill out the payment details from the SMS, before the due date
On the due date the instalment is auto collected from your Sevi account


Sevi doesn’t dictate any credit conditions. You agree with your group or any other credit provider on the conditions of the credit. These conditions are communicated to you on check-out.


The Sevi app is currently available for Android vs. 5 and higher. The app will soon become availble for iPhone and Windows as well. If you do not have a smart phone you can still join a loan group. Please read ‘how do I join a group

Please contact the Sevi helpdesk to restore your PIN. Contact us by clicking on the ‘phone’ icon in the app in the top right corner. You can contact us through phone or WhatsApp.

Please check if you entered your phone number correctly and try again. If you still don’t receive an SMS please contact the Sevi helpdesk by clicking on the ‘phone’ icon in the app in the top right corner. You can contact us through phone or WhatsApp.

Trust Score

The Trust Score of all individual members sums up to the total group score. Note: any group member can influence the group score positively but also negatively.

By positive behaviour like repaying your loan on time, filling out your profile or having a good CRB rating. Overtime more and more actions to earn points will be added like following specific trainings, reaching saving goals, etc.


By having a higher Trust Score you get access to higher loans and better loan conditions. You can also choose to share your Trust Score with e.g. your supplier, your land lord, your future employer, basically anyone you want to show how well you can be trusted to negotiate better deals.

Anywhere in the app the trust score is indicated by the Star. The score represents your points or the points of your group reflecting how well you can be trusted. Based on this trust score credit providers will set their loan limits, but you can also share your trust score with a new supplier indicating your good reputation and on-time payment behaviour

Efficient and affordable loan management services for e-commerce, credit providers and businesses.

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