Product offering
Pesa na Pesa
A mobile utility-financing platform that gives approved customers instant access to a small utility limit for essential bills.
Pesa na Pesa (PNP) is a mobile phone-based utility lending product developed by AVL Capital. It combines USSD access, CreditInfo CRB scoring, MPESA payments, utility-provider integrations, automated repayment tracking, and SMS notifications in one financing workflow.
Registration Flow
- Dial *519*25# and follow the registration prompts.
- Enter the National ID number and names exactly as they appear on the ID.
- Accept the CRB credit-rating check and the terms and conditions.
- Pay the KES 100 registration fee through MPESA.
- Receive a utility-limit decision based on the credit rating, typically KES 200, 300, or 500.
- Receive an SMS confirming whether the registration was successful.
Utility Usage and Repayment
- Dial *519*25#, select Borrow, then choose KPLC, Nairobi Water, DSTV, GOTV, ZUKU, or STARTIMES.
- Enter the utility account number; the approved amount is credited directly to the provider.
- Repay through Paybill 990390, using the customer phone number as the account number.
- SMS notices cover registration, usage, repayment instructions, reminders, successful payment, and overdue status.
Compliance and Risk Controls
- Explicit customer consent is required before CRB checks.
- Costs are disclosed clearly during onboarding and borrowing.
- Penalty calculation is automated for consistency and transparency.
- Limits are restored only after full repayment.
