Lipa Polepole · A bridge for credit

Bring your credit.
Shop anywhere.

Vuka Bridge is the bridge between the credit you already have — at M-Shwari, KCB M-Pesa, Equity — and the stores where you shop. Like PayPal for credit. Link once, pay anywhere.

Connect your credit I have an account
No new credit
No new credit applications
No Vuka Bridge fees for shoppers
Your provider, your terms
Data protected under DPA 2019

The bridge, in one picture

Your credit

M-Shwari · KCB · Equity

Vuka Bridge

The bridge

Your shopping

Jumia · Naivas · Quickmart · more

Connect your credit

Link the credit you already have.

Connect one provider, or all of them. Each link unlocks that provider's existing credit limit for use at any Vuka Bridge–supported retailer. Your provider keeps the relationship — interest rates, repayment, and customer service stay with them. Vuka Bridge just makes the credit spendable.

  • M-Shwari

    NCBA + Safaricom

    Live

    30-day mobile loan

  • KCB M-Pesa

    KCB Bank

    Live

    30-day mobile loan

  • Equity

    Equity Bank

    Live

    Eazzy mobile loan

Want your provider on the bridge? Let us know. More providers joining every month.

Where you can shop

Use your linked credit at the places you already love.

Bridged credit works at our partner retailers across Kenya — online and in store. The list keeps growing.

  • Jumia

    Online marketplace

    Live

  • Naivas

    Supermarket

    Live

  • Quickmart

    Supermarket

    Live

  • Carrefour

    Hypermarket

    Coming soon

  • Chandarana

    Supermarket

    Coming soon

  • GoodLife Pharmacy

    Pharmacy & wellness

    Coming soon

Want Vuka Bridge at your favourite store? Suggest a retailer.

How it works

Four steps. About five minutes.

From signing up to shopping with your first linked provider — most of our customers are done in under five minutes.

  1. 01

    Sign up

    Verify your phone, share a few details, upload your ID. Confirms it is really you.

  2. 02

    Connect a provider

    Link M-Shwari, KCB, or Equity using their existing secure login. We never see your password.

  3. 03

    Shop at partners

    At checkout, pick which linked provider to use. Approval happens at your provider in real time.

  4. 04

    Repay your provider

    On the same terms and channels you already use with them. Vuka Bridge never comes between you and your provider.

Why Vuka Bridge

Credit you already have.
Spendable where you actually shop.

Most Kenyans already have credit on at least one mobile platform. The problem is not getting the credit — it is using it where you need it. Vuka Bridge is the missing connector.

Use the credit you already have
No new applications, no extra credit checks. Connect your existing accounts and you are ready to spend.
Pick your provider at checkout
M-Shwari, KCB, Equity — choose which limit to use for each purchase. The best terms for the moment.
Repay your provider, on their terms
You keep your existing repayment arrangement. We never come between you and your bank or lender.
No Vuka Bridge fees for shoppers
Using Vuka Bridge itself is free. You only pay your provider what you would have paid them anyway.
M-Pesa first, day one
Everything that should work over M-Pesa does — linking, paying, repaying. Built for how Kenya already pays.
Connect more, spend more
Link multiple providers and your usable limit adds up. Carry more shopping power without owing more anywhere.

What we stand for

Three commitments. No hedges.

Credit done badly hurts the people who can least afford it. We chose to build this bridge knowing that, and we run it accordingly.

01

Humility
We listen first. You know your finances better than we do — our job is to make your existing credit more useful, not push you into more of it.

02

Integrity
We are not a lender. We say so openly. Every cost you see at checkout is your provider’s — disclosed in full, before you commit.

03

Transparency
No hidden fees on our side. No buried terms on theirs. A clear path to talk to a human if anything goes wrong.

Frequently asked

Straight answers, no fine print.

Still curious? Email hello@vuka-bridge.com — a real human will reply.

Wait — is Vuka Bridge lending me the money?

No. Vuka Bridge is a bridge, not a lender. We connect your existing credit accounts (M-Shwari, KCB M-Pesa, Equity, …) to participating shops. The credit comes from your provider; we just make it usable at checkout. Think of it like PayPal, but for credit instead of bank accounts.

Which credit providers can I connect?

At launch: M-Shwari, KCB M-Pesa, and Equity. More joining every month. If yours is not on the list yet, let us know — we are actively talking to all the major Kenyan providers.

Do I need to apply for new credit?

No. We use the credit limit you already have with your provider. Setting up Vuka Bridge takes minutes and does not run a fresh credit check on you.

How does repayment work?

You repay your credit provider directly, on the schedule and channels you already use with them. Vuka Bridge never holds your money — we are the bridge, not the bank.

What does it cost?

Using Vuka Bridge itself is free for shoppers. The cost of borrowing — interest, fees, APR — is whatever your chosen provider charges, exactly the same as if you had used that credit any other way.

Can I use more than one provider?

Yes — that is the whole point. Link as many as you want. At each checkout you pick which one to use. Your spending power is the sum of what is available across all of them.

Is my information safe?

We are registered under the Data Protection Act 2019. We only see the limit and balance information you authorise. We never see your provider password — connection is via your provider’s secure linking flow.

Will connecting affect my credit score?

No. We do not pull credit reports. Your providers already did that when they originally gave you credit — Vuka Bridge just lets you use what you already have.

Ready to make your credit go further?

Sign up takes under five minutes. Connect your first provider and you can shop with bridged credit the same afternoon.

Get started Sign in