
Credit inside the wallet, in seconds.
Launch instant micro-loans, instalment loans and the BridgeBoost overdraft from the same wallet your customers already use, with repayment schedules, penalties and portfolio-at-risk built in.


In depth
Define loan products your way: minimum and maximum amounts, flat or reducing-balance interest, daily, weekly or monthly instalments, a processing fee and a late penalty. Instant products approve and pay out automatically; the rest go to a credit officer for approval.
The money moves on the same ledger as everything else: disbursement lands in the customer's wallet, repayments clear the oldest instalment first, overdue instalments are flagged every day and portfolio-at-risk is banded 1–30, 31–60, 61–90 and 90+ days. BridgeBoost adds an overdraft whose limit grows each time a customer repays in full.
Why it matters
Built to be trusted.
- Flat or reducing-balance interest, with daily, weekly or monthly schedules.
- Instant products disburse automatically; others go to a credit officer.
- Portfolio-at-risk aging and daily overdue checks built in.
What's inside
Loans & credit — in detail.
Loan products
Amounts, interest method, instalments, fees and penalties, set per product.
Instant micro-loans
Approve and pay into the wallet automatically.
Repayment schedule
Built at disbursement; repayments clear the oldest instalment first.
BridgeBoost overdraft
Covers shortfalls; the limit grows after every full repayment.


Overdraft
Credit that grows as trust grows
BridgeBoost covers a shortfall in the moment and raises the limit each time the customer repays in full.
Real flows
How it works in practice.
Switch between the journeys this capability handles. Each one checks balance and limits, then waits for PIN or biometric authorisation before posting balanced entries to the ledger.
Take an instant loan
Instant micro-loans paid into the wallet, with a repayment schedule built on the spot.
- Balance & limit checked first
- Validation / authorisation gate
- Balanced debits & credits posted
Countries you can launch in
Native apps, one platform
Channels — App · USSD · Web · API
Double-entry, always balanced
More of the platform
One core, every capability.
Further reading
Guides from the PesaBridge team
Keep exploring
Where to go next
Ready to launch your wallet?
Book a demo and we'll stand up your brand, country and rails — and walk you through the apps, admin and API.
Prefer to talk? Call +254 746 883809


