Kredo StudioDesign
Create loan products, prices, limits and eligibility rules, and set your branding.
- Flat or interest-based charges
- Penalty rules with caps
- Customer segments
Small loans.Big possibilities.
Kredo lets banks, microfinance institutions, SACCOs and fintechs launch their own digital loans in weeks, under their own brand, on the channels their customers already use.
Your bank · LoansBorrow 150,000 RWF
Charge 7,500 RWF
Repay 157,500 RWF by 24 Nov
Approved in 4 seconds
Charge 7,500 RWF
Repay 157,500 RWF by 24 Nov
Approved in 4 seconds
YOUR BANK150,000 RWF has been sent to your account. Repay 157,500 RWF by 24 Nov 2026.
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More lending performance, without a big system budget
Buying a lending system from a vendor means large upfront licences, long projects and costs in foreign currency. Kredo was built to remove that budget impact, and to improve your performance through micro loans instead.
- New income from loan charges, from the first loans you pay out
- More active accounts, as customers borrow and repay through you
- Deposits and loyalty that stay with your institution
Buying a systemWith Kredo
Upfront costLarge licence and implementation feesA small one-off setup fee
Running costAnnual maintenance, often in foreign currencyA share per loan, or a flat monthly licence
Time to launchMonths of implementationWeeks
SupportRemote, in another time zoneA dedicated team in Kigali
Built for institutions that lend to many people
You bring the customers, the capital and the brand they trust. Kredo brings the engine that runs every loan.
Banks
Instant loans inside USSD, mobile and internet banking, connected to your core banking system.
Microfinance institutions
Reach customers far from a branch with credit they can request on any phone.
SACCOs
Give members quick access to small loans, with clear rules and simple reporting.
Fintechs
Add lending to your wallet or app without building a credit system from scratch.
From application to repayment
Every loan follows the same five steps, run by Kredo and shown live to your team.
Configure
Set your products, limits, pricing and who qualifies.
Decide
Built-in scoring approves the right borrowers in seconds.
Disburse
The full amount reaches the bank account or mobile money wallet.
Collect
Reminders and automatic repayment on the due date.
Report
Live dashboards for management, risk teams and the regulator.
Your brand in front. Kredo behind it.
Borrowers see your name, your colours and your loan products on every screen and message. Kredo appears only as a small mark.
- Your own products, prices and eligibility rules
- Your own workspace for staff, with roles and rights
- Your data kept separate from every other institution
YB
Your Bank
Salary Advance
You can borrow up to
400,000 RWF
Repaid onPayday
Paid intoYour current account
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Works with what you already run
Borrower channels
USSDMobile bankingInternet bankingMobile appWeb app
Systems and payments
Core bankingMTN Mobile MoneyAirtel MoneyBank accountsTransUnionSMS
Live in weeks
Configure, connect and pilot with your staff, then launch to customers. No platform to build.
Your risk appetite
We build your credit model on your own data and test it before any money moves.
Pricing that fits
A one-off setup fee, then a revenue share or a flat monthly licence, whichever suits you.
A product of Centrika
Centrika is a Rwandan fintech, licensed by the National Bank of Rwanda and connected to RSwitch. A dedicated team in Kigali builds, runs and supports Kredo with you.
See Kredo running with your own products.
Book a demo and we will walk you through a loan from request to repayment, on your channels.
Book a demoOne platform for the whole life of a loan
Six modules work together, from designing a product to recovering a late payment. Each institution configures them to fit its own customers.
Kredo ScoreDecide
Credit scoring built on your customers’ account behaviour, with instant decisions.
- Model built on your data
- Score bands and limits
- Credit bureau checks
Kredo PayMove money
Pay loans out and collect repayments through bank accounts and mobile money.
- Full amount paid out
- Automatic repayment
- Daily reconciliation
Kredo CollectRecover
Reminders, penalties and follow-up for late loans, in your words and language.
- SMS through your gateway
- Collections lists by day
- Bureau reporting
Kredo InsightsReport
Live dashboards and reports for management, risk teams and the regulator.
- Portfolio at risk
- Report builder
- PDF, Word and Excel
Kredo ConnectIntegrate
Connects to your core banking system, channels, payment rails and partners.
- Core banking integration
- USSD, mobile and web
- Documented APIs
Loans you can launch first
Starting points that each institution shapes with its own amounts, terms and pricing.
Nano loans
From 5,000 RWF
Small, short loans decided in seconds on any phone.
Salary advance
Repaid on payday
For salaried customers, taken from the next salary.
Business working capital
Scored on turnover
Stock and cash flow for small businesses and merchants.
Agent float
Within the day
Short loans that keep mobile money agents trading.
How we work with you
No large system purchase. Start with a one-off setup, then pay per loan or a flat monthly rate, whichever suits your institution.
One-off setup fee
Configuration of your products and brand, integration with your core banking system and channels, your credit model built and tested on your data, and staff training.
Revenue share
An agreed share of each loan paid out, billed only when your customers repay. Costs grow only as your loan book grows.
Monthly licence
A flat monthly rate to use the system. The same predictable cost every month, whatever the number of loans.
Talk to the Kredo team
Tell us about your institution and what you would like to lend. The Centrika team will get back to you and arrange a demo.