Are you stuck financially and in need of cash to scale your business? Well, Timiza is the best solution for you.

Timiza is a digital platform that offers various services such as loans, insurance and serves as a bank account.

Customers can access instant mobile loans of up to Sh150,000 with a repayment period of 30 days.

The platform is operated entirely from mobile phone by dialing *848# or through the Timiza mobile app, which can be downloaded from the Google Play store or IOS app store.

To qualify for a loan, one must be an M-PESA subscriber for more than 6 months and actively use Safaricom services such as voice, data, and M-PESA.

In addition, they need to have a good rating and not be negatively listed by the Credit Reference Bureaus (CRB) or blacklisted by Safaricom on Okoa Jahazi.

Pain as medical intern Dr Desree Moraa dies by suicide; leaves suicide note

To open a Timiza account, you need to first register on Timiza for a transactional account. For your first-time loan application, follow the following steps.

1. Launch the app on your phone.
2. Enter your PIN to log in.
3. Your loan limit will be shown on the home screen
4. Click My loans.
5. Select Request loan.
6. Enter the amount of money you want to borrow.
7. Click continue.
8. Timiza will confirm whether or not the loan application was successful
9. Wait for a message confirming you have qualified for the loan.

Application for a Timiza loan using USSD service

1. Dial *848# on your mobile phone. Make sure you have registered for a Timiza account.
2. Enter your Timiza PIN.
3. Select option 4: Loan
4. Select option 1: request loan.
5. Select option 1: Get Cash.
6. Enter the amount of money you want to borrow
7. Confirm the amount you have applied for
8. Timiza will send a confirmation SMS.

To repay your loan, use Pay Bill number 300067 and enter your mobile number as the account number. Here is the procedure.

1. On your MPESA menu, Select Lipa na M-PESA.
2. Select Paybill.
3. Enter 300067 as the Business number.
4. The account number is the Timiza registered phone number
5. Enter the amount you want to repay.
6. Enter your M-PESA PIN