Unlocking Financial Freedom

Our innovative digital solutions provide individuals and businesses with access to modern financial tools and services.

About Us

eShandi (formerly Anjoy Credit Limited) is a leading digital lender in Kenya, operating under a Digital Credit Provider License granted by the Central Bank of Kenya pursuant to Section 59(2) of the Central Bank of Kenya Act (CBK Act). As a licensed digital lender, we leverage technology to offer convenient and accessible financial solutions to individuals and businesses in Kenya. We understand the evolving needs of our customers in the digital era and strive to provide innovative credit options that cater to their unique requirements.

Our journey has been driven by a deep commitment to financial inclusion and a relentless pursuit of technological innovation. We believe that access to reliable and affordable financial services is a fundamental right, and we are dedicated to making this a reality for communities across the continent.

Our Vision

Revolutionizing banking across Africa, bridging tradition with innovation. We’re dedicated to empowering the unbanked and underbanked with simple, accessible financial services tailored for African individuals and businesses.

Our Mission

We fuse innovative technology and strategic partnerships to offer accessible and affordable financial solutions across Africa. Guided by our commitment to inclusivity, customer-centricity, and social responsibility, we empower individuals and businesses, fostering financial inclusion and prosperity for all.

Our Core Values

  • Prioritizing the Customer Experience: We place our customers at the heart of everything we do, striving to exceed their expectations with every interaction and ensuring their financial journey is seamless and rewarding.

  • Fostering Partnerships: We believe in the power of collaboration, working closely with our partners to create synergies that drive mutual growth and deliver unparalleled value to our customers.

  • Embracing Innovation: We are committed to continuous innovation, leveraging cutting-edge technology to develop solutions that address the evolving financial needs of our customers and stay ahead in the industry.

  • Upholding Integrity: We conduct our business with the highest ethical standards, ensuring transparency, honesty, and fairness in all our operations and interactions.

  • Valuing Our People: We recognize that our people are our greatest asset, fostering a supportive and inclusive environment that encourages growth, creativity, and excellence.

Services

We leverage technology and strategic partnerships to maximize our impact, utilizing mobile banking platforms for convenient loan disbursement and repayment. Our programs incorporate micro-insurance products to manage risks and ensure accountability. Continuous capacity building, and periodic impact assessments are integral to our approach, ensuring that our services adapt to the evolving needs of the communities we serve. Through these comprehensive measures, we strive to create lasting positive change and uplift the lives of vulnerable groups.

Group Loans

Group loans are offered for collective collateral-free credit access, promoting financial inclusion for marginalized and underserved communities.

Logbook Loans

Logbook loans secured by personal vehicles are available, thereby enabling vehicle owners with minimal collateral options to obtain financing.

School Fees

Our School fee loans help to alleviate financial constraints and help ensure children have access to quality education.

Tailor-Made


Customized lending solutions are provided to align with each client's distinct financial needs and circumstances.

Women & Vulnerable Groups

We facilitate women-focused lending, economically empowering underserved demographic segments through financial access and social equity.

Renewable Energy

We provide substantial financing for renewable and clean energy projects, including solar, wind, biogas, and hydropower initiatives

Frequently Asked Questions

eShandi (formerly Anjoy Credit Limited) is a leading digital lender in Kenya, operating under a Digital Credit Provider License granted by the Central Bank of Kenya. We use technology to offer convenient and accessible financial solutions to individuals and businesses in Kenya.

eShandi provides financial services to small and medium enterprises (SMEs), low-income individuals, underserved communities, and other entities in need of accessible financial solutions.

eShandi prioritizes the security of your information by using advanced encryption and data protection protocols to ensure your data is safe and confidential.

We are located at Transnational House, 1st Floor, Mama Ngina Street, Nairobi. Ensure you set an appointment in advance through info@eshandi.co.ke well in advance.

Currently, eShandi’s services are available to individuals and businesses within Kenya and other markets under the same holding company. Visit www.eshandi.com to view the other countries. We are exploring opportunities to further expand our reach in the future.

Benefits include no need for individual collateral, fostering community support, and improving access to credit for those who may not qualify for traditional loans.

Group loans are typically repaid collectively by the group members, with each member contributing their share. The group is collectively responsible for ensuring timely repayment.

If a member defaults, the group will have to cover the repayment. We encourage groups to support each other to prevent defaults and maintain good credit standing.

Logbook Loans

Yes, you can continue using your vehicle while repaying the logbook loan, as long as the loan terms are adhered to.

If you're unable to repay on time, it's crucial to contact us immediately to discuss possible repayment options. Failure to repay may result in the repossession of the vehicle used as collateral.


School Fees Loans

Yes, school fees loans can be used to cover expenses for all educational levels, from primary school to university or vocational training.

If school fees increase after loan approval, you may apply for an additional loan or discuss alternative funding options with us.

Women & Vulnerable Groups

We facilitate women-focused lending and support for economically empowering underserved demographic segments, promoting financial access and social equity.

Yes, we offer favorable interest rates and flexible terms to women and vulnerable groups to support their financial empowerment and inclusion.


Renewable Energy

We provide substantial financing for renewable and clean energy projects, including solar, wind, biogas, and hydropower initiatives.

Yes, we offer advisory services to help clients develop viable renewable energy projects, including assistance with feasibility studies and financial planning.

Contact

At eShandi, we're committed to providing you with the best possible experience. If you have any questions, concerns, or need assistance with our services, our friendly and knowledgeable customer support team is here to help.

Our Address

Transnational House, 1st Floor, Mama Ngina Street, Nairobi, Kenya
P.O BOX: 40583 -00100

Email Us

info@eshandi.co.ke

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