Enabling Kenyans to
Buy Now, Pay Later.
Aspira (trading as CIM Credit Kenya Ltd) is Kenya’s first dedicated product financing mobile platform — connecting creditworthy consumers with leading merchants through fast, responsible, and inclusive BNPL solutions.
A financing platform built around real Kenyan spending
What we finance
Consumer Electronics · Household Appliances · Furniture & Homewares · Mobile Phones · Travel & Holiday · Education Financing (Soma) · Insurance on Credit · SME Asset Financing (Bizna) · Auto Fitment Services.
SME credit limits of up to KES 3,000,000 via Aspira Bizna, asset financing for small and growing businesses.
Where customers shop
Leading Nairobi Retailers · Online Merchants · Countrywide Delivery Partners · iOS & Android App.
Partnered with Kenya’s most reputable brands across electronics, furniture, and lifestyle, with home delivery available nationwide.
How It Works
Download & Apply
Customers download the Aspira app and submit bank & M-Pesa statements.
Instant Assessment
Applicants are assessed using machine learning and credit bureau data.
Shop at Any Partner
Approved customers get an instant credit limit to shop at any partner store.
Repay Monthly
Aspira pays the merchant directly; customers repay in equal instalments.
A Market Built for Growth
Kenya’s BNPL market is projected to reach USD 1.18 billion in 2025, with Aspira positioned as one of the two dominant BNPL players in the country.
A Board Built for Scale
Aspira’s newly constituted Board brings together financial services depth, infrastructure expertise, and corporate banking experience to guide the company’s next phase of growth.
Catherine Muthuuri
Catherine is a strategic leader with extensive experience in corporate and commercial banking, private sector development, and impact investments. She has held senior roles at Standard Chartered Bank, Stanbic Bank Kenya, Bank of Africa Kenya, and CFC Stanbic Bank Kenya.
Global Executive MBA, USIU-Africa · BCom, Catholic University of Eastern Africa
Joseph Alaro
Joseph is a seasoned financial services executive with over 25 years of experience in corporate and investment banking, treasury, and institutional financial management. He delivered 31% revenue growth in corporate banking and grew Global Markets revenues by 650%.
MBA Finance, USIU-Africa · Board Leadership, Duke University · ACI Dealing Certificate
Ronald Kirui
Ronald is a business executive and board director with over 30 years of international experience across property services, construction, real estate development, critical infrastructure, and technology in Kenya and the UK.
BSc (Hons) Quantity Surveying, Univ. of Salford · PGDip Property Investment, Univ. of Manchester
A Credit Facility to Fuel Kenya’s Next Wave of Consumer Finance
Aspira is seeking a strategic banking partner to provide a dedicated credit facility that will strengthen our balance sheet, accelerate merchant disbursements, and grow our consumer loan book as we scale across Kenya.
Revolving Credit Facility
A revolving line of credit to fund real-time disbursements to merchant partners on behalf of approved customers, ensuring speed of execution and merchant trust.
Loan Book Expansion Support
Funding to grow our active loan portfolio across consumer, education (Soma), and SME (Bizna) products, supporting our disbursement targets and beyond.
Transactional Banking Integration
Account structures to support merchant payouts, customer repayment collection, and operational treasury management, including M-Pesa and EFT flows.
Regulatory-Aligned Partnership
Aspira operates under the CBK DCP licensing framework. We seek a banking partner aligned to our governance standards and committed to responsible consumer credit in Kenya.
