Customer Support
Get the help you need with Swift Loan services. We're here to assist you 24/7
Live Chat
Speak directly with our support team
Use the chat bubble (bottom-right)Available Mon-Sat: 8AM-6PM
Available 24/7
Support Topics
Getting Started with Swift Loan
New to Swift Loan? Here's everything you need to know to get started:
What You Need
- • Kenyan National ID (18+ years)
- • Active M-Pesa account
- • Smartphone with internet
- • Valid phone number
Quick Steps
- • 1. Check eligibility online
- • 2. Fill application form
- • 3. Get instant decision
- • 4. Receive funds in M-Pesa
💡 Pro Tip: First-time borrowers start with smaller amounts (KES 1,000-5,000) and can access higher limits after successful repayments.
Understanding the Loan Process
Application Timeline
Application Submission
Complete online form (5-10 minutes)
Instant Review
AI assessment and credit check (2-5 minutes)
Decision & Disbursement
Approval notification and funds transfer (1-2 minutes)
Loan Terms Overview
- Loan amounts: KES 1,000 - KES 200,000
- Repayment period: 30 days
- Monthly interest: 0.86% of principal
- Processing fee: Clearly displayed before approval
- No hidden charges or surprise fees
Payment Support
How to Make Payments
M-Pesa Payment
- 1. Go to M-Pesa menu
- 2. Select "Lipa na M-Pesa"
- 3. Choose "Pay Bill"
- 4. Enter business number
- 5. Enter your loan account
- 6. Enter amount and PIN
Bank Transfer
- • Use loan reference number
- • Transfer to provided account
- • Include your phone number
- • Allow 2-4 hours processing
Payment Issues
Common Issues:
- • Payment not reflecting: Allow 30 minutes, then contact support
- • M-Pesa failure: Try again or use alternative method
- • Wrong amount sent: Contact support immediately
- • Partial payments: Minimum 25% of total due accepted
Account Issues
Common Account Problems
Account Suspended
Possible reasons and solutions:
- • Late payment: Contact support for payment plan
- • Suspicious activity: Verify identity with support
- • Information mismatch: Update account details
Loan Application Rejected
Common reasons:
- • Credit history issues: Wait 30 days and reapply
- • Incomplete information: Ensure all details are accurate
- • Outstanding loans: Clear existing debts first
- • Age requirements: Must be 18-65 years old
Unable to Access Account
Troubleshooting steps:
- • Check internet connection
- • Clear browser cache/app data
- • Update app to latest version
- • Contact support if issues persist
Technical Support
App & Website Issues
Quick Fixes
- • Restart your device
- • Check internet connection
- • Update Swift Loan app
- • Clear cache and cookies
- • Try different browser/device
System Requirements
Mobile App
- • Android 5.0+ or iOS 10+
- • 50MB free storage
- • Stable internet connection
- • Location services enabled
Website
- • Chrome, Firefox, Safari
- • JavaScript enabled
- • Cookies allowed
- • Pop-up blocker disabled
Frequently Asked Questions
How fast can I get a loan?
Most loans are approved and disbursed within 2-5 minutes during business hours. The process is completely automated for eligible customers.
What are the interest rates?
Our monthly interest rate is 0.86% of the principal amount. There are no hidden fees - all charges are clearly displayed before you accept the loan.
Can I repay early without penalties?
Yes! You can repay your loan early without any penalties. Interest is calculated only for the days you actually used the loan.
What happens if I miss a payment?
You have a 3-day grace period without penalties. After that, a 1% daily penalty applies. Contact us immediately if you're facing payment difficulties.
How can I increase my loan limit?
Make on-time payments to build your credit history with us. Each successful repayment increases your eligibility for higher loan amounts.
Is my personal information secure?
Yes, we use bank-level security with end-to-end encryption. We comply with Kenya's Data Protection Act and never share your data without consent.
File a Complaint
We take all complaints seriously and are committed to resolving issues promptly and fairly.
How to File a Complaint
Contact Customer Support First
Report with live chat or email info@swiftloan.ke
Formal Complaint
Email complaints@swiftloan.ke with full details
Follow Up
We'll respond within 7 business days
What to Include
- Your full name and phone number
- Loan reference number (if applicable)
- Detailed description of the issue
- Screenshots or documentation
- Preferred resolution
Emergency Support
Urgent Issues
For critical issues that need immediate attention:
Fraud Alert
If you suspect fraudulent activity:
- • Live Chat: Use the chat bubble at the bottom-right corner
- • Email: fraud@swiftloan.ke
Payment Emergency
Payment not reflecting or incorrect amount:
- • Live Chat: Use the chat bubble at the bottom-right corner
- • Email: payments@swiftloan.ke
- • Include M-Pesa confirmation SMS
24/7 Support
Even outside working hours, you can always:
- • Start a Live Chat anytime via the chat bubble
- • Email urgent issues to info@swiftloan.ke
- • Use "Emergency" in subject line for urgent matters