Here's how Peer-to-Peer lending works


Investor deposits funds to the lending platform via mobile money or card payments. From now on, they will be able to see these funds in their Investor balance and use them to create bids for different loan applications.


Borrower creates a loan application from the Borrower portal or with help of the lending platform’s originators (PremierCredit).


Investor submits their bid for the loan application which can’t be larger than the balance available in their Investor profile. The Investor doesn’t need to make any direct transfers of funds since the money is wired through the platform.


Once the sum requested in the approved loan application is gathered, the funds are disbursed to the Borrower by PremierCredit and the Investor’s balance is reduced by the amount they bid.


Other than the principal of the loan, the Borrower is charged interest and fees specified by the lending platform (PremierCredit). The interest is split between the Investor and the lending platform.


The Investor can withdraw any sum within their available balance.

Make your money Grow

Investing with PremierCredit can earn you higher returns up to 36%.

Plus, you can accelerate your returns with our Peer-to-Peer Lending platform. Many investors choose to reinvest their returns so their money can keep working. Given enough time, earnings can grow exponentially thanks to the power of compound interest.

Redefining Alternative Finance, Enabling Inclusive Growth

Invest with ease starting from K500 via mobile money, card payments, or electronic bank transfers. No connection fees needed. Access a secure and diverse portfolio of pre-vetted low-medium risk investment opportunities. Anyone can be an investor and create a diversified portfolio for stable returns. Choose automated investing or hand-pick loans of your preference.

We offer an award-winning AI-based Loan Origination and Investment platform, promoting financial inclusion and alternative finance. We are therefore:

Investor Protection Arrangements

We will offer a Buy back guarantee, which means that if a loan is delinquent for more than 60days, PremierCredit will buy back the investment at nominal value plus accrued interest.


This means the investor will be able to recover their investment in case of borrower default.


We place emphasis on using the most advanced and representative scoring techniques using AI technology to provide good performing loans on the platform. The investor will be secured that they are investing in loans that will be repaid on time and in full with interest.


Credit risk assessment initiatives are in place, using advanced technology that has Cloud-based infrastructure, Advanced AI-driven intelligent scorecard, automated underwriting, Integrations with credit bureaus (Transunion), banks and payment providers.