Methodology: how we compare loans in Kenya
We publish our criteria so users can audit why something is recommended. Our goal is clarity and responsible borrowing — not hype.
1) Cost transparency
We prioritize offers where the total repayment cost is easy to understand (fees, interest, penalties).
2) Eligibility and fit
We try to match you to realistic options based on requested amount/term and affordability fields.
3) Responsible borrowing
We surface warnings when costs look high for short terms and encourage smaller amounts and safer alternatives when appropriate.
Affiliate disclosure
Some lenders may compensate us when you click or apply. This helps us keep the service free. Commission does not automatically override user-fit; it is only a tie-breaker when two options are otherwise equal.
Official references
FAQ
Is Credizen a lender?
No. Credizen is a comparison and lead-routing platform. We help you understand options and, when available, connect you with providers.
How do you make money?
Some providers may pay us a commission when you click or apply. This does not automatically determine rankings; user-fit and transparency come first.
What is your main ranking principle?
We prioritize transparent total cost, eligibility fit, and responsible borrowing. Commission can be a tie-breaker only when two offers are otherwise equal.