About Azima

Azima is a micro credit mobile app that makes it easy for people in Kenya to access a loan, anytime, anywhere. Complete our application in seconds and receive your loan straight into your mobile money account. Azima is like a bank in your pocket, there for you at all times. Visit our website to learn more.
Azima has its office in Nairobi, Kenya
You can follow this link and click Update/Install. Or you can go to Google Play, search for “Azima” then click "Update". https://play.google.com/store/apps/details?id=com.roamtech.dm.azima
Yes. You can contact us on 07_________. You can also send us a message via the app any time, and we will help you resolve whatever issue you may have..

My Account

Requirements are simple - all you need to apply is a phone number and ID number.
You may see this error message if Azima is unable to detect the required SIM in your phone. Kindly remove all other SIMs from your phone and leave only the Safaricom SIM you want to use and then log back into Azima. You should be in a position to add your number and proceed to validate it.
There are two options: - You may pay on the due date by going to the "Pay Loan" menu or pay in installments before the due date, through the provided Paybill number.

Loan Product

  • You have to be an active Safaricom subscriber for at least 6 months
  • Must have a good track record as per predefined criteria and must borrow within advised limit.
Azima uses data from your phone, including your handset details and financial transaction messages to make lending decisions. We combine this with your Azima repayment history to build an individualized credit score, which determines the loan offers you receive.
We aim to process all loans within 24 hours. On average we process loans in less than 3 hours and hope to reduce that to a few minutes.
You will receive Ksh.1000.
You will be required to pay the amount borrowed including interest charged. All payable within 30 days from the day of loan disbursement.
The minimum amount you can borrow is Ksh.1000 and the maximum amount is dependent on your credit limit. Credit limit is the maximum amount of loan you qualify to borrow calculated based on how much you transact through your account and how regular.
An Azima Loan will be declined if:
  • You borrow above your credit limit,
  • You don’t have a limit,
  • You have an existing loan or
  • You are currently or previously been listed with Credit Reference Bureau for a defaulted loan with any institution.
This is a source of credit history information of a customer. They securely collect, store and maintain information about your credit history. Credit reference agencies have to share your credit report with you if you request it.
You can check your credit limit by going to the Loan Status menu on the Azima App.

Security and Privacy

We use world-class data security and encryption techniques to protect the data you share with us. Azima never shares your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.
Azima uses data from your phone, including handset details, SMS logs, call logs, and contact lists to make a lending decision. This data is a crucial part of our decision making process, and allows us to provide seamless and efficient financial services.
In your Android Phone, kindly go to Settings > Apps > Azima > Permissions and make sure that you have enabled Azima to access the requested.
Please read our Terms of Use and Privacy Policy For Further Information Kindly email or call Azima Support Team On: support@azima.co.ke or Call 07*********