Frequently Asked Questions

Your loan request can be disapproved because you are negatively listed at the Credit Reference Bureau. This may be due to a previously defaulted loan that is not yet paid up for or has been fully paid for without obtaining clearance from the Credit Reference Bureau.

You can click on this link on your mobile phone (Google Chrome Browser recommended) to get a comprehensive report from Credit Info, which is one of the Credit Reference Bureaus. They charge Kshs. 50 for a report.

The Credit Reference Bureau contact details:

Credit Info Email: cikinfo@creditinfo.co.ke or consumercare@creditinfo.co.ke

Call: +254 20 375 7272

Website: http://creditinfo.co.ke/contact-us/

Physical Address: CreditInfo CRB Kenya Ltd, Park Suites, Office 12, Second Floor, Parklands Road, PO Box 38941-00623 Parklands, Nairobi, Kenya

If you have cleared with CRB we are working on a feature to allow clients who have cleared with CRB to borrow loans from us. We will personally notify you when this is available.

Your loan request can be disapproved because of insufficient records in your phone or low MPESA usage.

 

This may be because you changed to a new phone or you may have deleted your MPESA messages within the last three to four months. We require your phone to have at least 4 months MPESA messages.

We currently are not able to receive or manually input your Mpesa statements directly into the system for the app to assess and give you a loan limit. . If you are able to transfer your Mpesa messages from the old device to the new device, this may help resolve the issue

 

We recommend you kindly keep checking in with the app as it will continue to assess and notify you when you qualify for a loan as well.

Your loan request can be disapproved because your current credit score/rating at CRB could be below the limit the system requires to approve for a loan.

 

This is not necessarily because you have been blacklisted at CRB and thus it does not prevent you from ever receiving a loan from us completely just that it prevents you for getting one now.

 

We are unable to give an exact time as to when you will receive a loan given this reason. We recommend that you keep on checking in with the app as it does continue to assess your eligibility.

 

You can click on this link on your mobile phone (Google Chrome Browser recommended) to get a comprehensive report from Credit Info, which is one of the Credit Reference Bureaus. They charge Kshs. 50 for a report.

 

The Credit Reference Bureau contact details:

Credit Info Email: cikinfo@creditinfo.co.ke or consumercare@creditinfo.co.ke

Call: +254 20 375 7272

Website: http://creditinfo.co.ke/contact-us/

Physical Address: CreditInfo CRB Kenya Ltd, Park Suites, Office 12, Second Floor, Parklands Road, PO Box 38941-00623 Parklands, Nairobi, Kenya

Your phone may not be giving out some of the data needed even if you have already given the permissions to the app which means the system is unable to assess your eligibility and give you a loan limit. This is in no way your fault or even your phone’s fault.

 

We recommend that you uninstall and reinstall the app in order to refresh it on your device.

 

Also contact us on care@shika-app.com for us to look further into this and we will keep you updated on the situation as we try to resolve it.

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