How SelfRepayCredit Works
A revolutionary credit system that automatically manages repayments through intelligent savings allocation.
For Members
Follow these simple steps to enjoy self-repaying credit
Get Your Annual Membership
Start by paying your annual membership fee. This gives you access to our credit system.
Example: Annual fee = KSH 12,000
Shop Monthly (60%)
Each month, spend at least 60% or more of your annual membership fee at our partner businesses.
Example: Monthly spending = KSH 7,200 (60% of 12,000)
Our Algorithm Creates Your Money
Our smart system automatically creates your SRC money from your shopping:
• 25% of your monthly shopping becomes savings
• 50% of those savings becomes credit
Your Money Formula
SAVINGS + CREDIT = SRC (Your money to use)
Example: Monthly spending KSH 7,200
→ Savings = KSH 1,800 (25% of 7,200)
→ Credit = KSH 900 (50% of savings)
→ Your SRC = KSH 2,700 to spend
Auto-Repayment: Next month's savings automatically repays this month's credits.
System Information & Features
Security Features
Two-Factor Authentication: Enhanced login security with OTP verification
Transaction PIN: Secure 4-digit PIN for all financial transactions
Email Verification: All accounts require email confirmation
Session Management: Automatic logout and session expiration
Financial Management
Auto-Repayment System: Automatic credit repayment from savings
Credit Score Tracking: Real-time credit score calculation
Savings Allocation: Smart allocation of savings across multiple goals
Budget Categories: Customizable spending categories with limits
Business Integration
Business Registration: Verified business onboarding process
Member Management: Tools for businesses to manage their members
Payment Processing: M-Pesa integration and offline payment options
Clearance System: Automated monthly issuance clearance
Analytics & Reporting
Real-time Dashboard: Live financial data and metrics
Spending Insights: Category-based spending analysis
Progress Tracking: Visual repayment progress indicators
Peer Comparison: Compare your financial health with averages
For Businesses
Just set your annual membership fee and let our system handle the rest.
We manage member registration, credit allocation, and auto-repayments automatically.
Secure Transactions
All financial transactions are protected with multiple layers of security including PIN verification and OTP authentication.
Auto-Repayment
Credits are automatically repaid from your savings, ensuring you never miss a payment and maintain good credit health.
Smart Allocation
Our algorithm intelligently allocates your spending into savings and credit components for optimal financial management.
Inquiry
Contact us if you have any questions about how the system works
Ready to Get Started?
Join our smart credit system today