Best-in-class rate
Transparent pricing — no hidden fees, no surprises on your statement. Rates published openly on our website.
Sharia Financing
Ijara
Lease-to-own
24/7
Support
142
Branches & Agents
50k+
Active Members
Sahl
Ijara
Regulator-licensed
Prudentially supervised
Deposits insured
to statutory limit
Instant decisions
Most applications
Mobile-first
iOS, Android, USSD
Why choose this
Built for the way you actually live
Ijara brings three things together: a competitive rate, a calm process, and a team that picks up the phone.
Lightning-fast onboarding
Open online in 60 seconds; activated the same day. Walk-in members are served first-come at any branch.
Real humans, on call
Talk to your dedicated relationship officer by phone, WhatsApp, or in branch — not a chatbot, not a script.
What's inside
Every detail thought through
Feature 01
Everything in your pocket
Manage every product from the BridgeERP Microfinance app — view balances and statements, move money in real time, freeze and unfreeze cards with a tap.
- Push notifications on every transaction
- Biometric login and device pairing
- One-tap statement download (PDF, CSV)
Feature 02
Bank-grade security, member-grade simplicity
TLS 1.3 in transit, AES-256 at rest. Two-factor auth on every sensitive action. Continuous fraud monitoring that scores each transaction in real time.
- ISO 27001-aligned controls
- PCI-DSS Level 1 for card data
- 24/7 fraud monitoring with instant alerts
Feature 03
Move money any way you need
M-Pesa, EFT, PesaLink, RTGS, SWIFT, EAPS, PAPSS — every East-African rail plus the international ones, available in-app or in-branch.
- Real-time settlement on PesaLink + M-Pesa
- Multi-currency wallets (USD / GBP / EUR)
- Transparent FX with rates published daily
How it works
From decision to first transaction in under 24 hours
01
Apply
Open the form online or visit any branch with your ID. Takes about 60 seconds.
02
Verify
Snap a photo of your ID; we run KYC checks against the national registry in seconds.
03
Activate
Once approved, you receive your account number, app login, and welcome pack.
04
Use
Fund, send, save, borrow — same-day. Your relationship officer is one tap away.
Questions, answered
Common questions about Ijara
Click Open Account, fill in your name, ID/passport, phone and email. Upload a clear copy of your ID and a recent payslip or business proof. We verify within 24 hours and confirm membership over SMS and email.
For personal accounts the minimum is KES 1,000 share capital and KES 500 opening deposit. MSME accounts start at KES 5,000. Premium and Corporate tiers have higher minimums — see Products.
Payroll-deducted loans: 24 hours. Asset-backed loans: 3-5 business days. Emergency loans for active members: same day. Use the Eligibility Calculator to check your limit instantly.
Up to 3 times your share capital plus deposits, capped at one-third of your net monthly income for repayments. Specific limits depend on the loan product — see the comparison on the Loans page.
Rates range from 9% to 18% p.a. on reducing balance, depending on product and tenor. Members earn dividends on share capital, which effectively reduces net cost. See all loan products.
Savings accounts earn 6-9% p.a.; Fixed Deposits earn 8-12% p.a. based on tenor. Members also share in the annual dividend pool — typically 12-15% on share capital over the past five years.
Yes. Member deposits are insured up to KES 500,000 by the Kenya Deposit Insurance Corporation (KDIC). Additionally we hold capital ratios above the SASRA-required minimum.
Visa and Mastercard debit cards (free for active members), Visa Premium credit cards, virtual cards for online shopping, and prepaid gift cards. All cards support tap-to-pay and 3-D Secure for online safety.
Joining changed how I plan my finances. The loan came through in three days and the dividends every December are a real Christmas bonus.
Ready when you are
Open Ijara today
Same-day decisions. No paperwork delays. A relationship officer on first-name terms.