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Loyalty Points — Little Pesa
Loyalty Points Programme

Repay on time.
Earn rewards.

Every time you repay a loan on or before the due date, Little Pesa rewards you with loyalty points — visible in your app and redeemable like cash.

1 Loyalty Point = KES 1 Redeemable fully or partially on eligible loan repayments and applications
How to Earn ↓ How to Redeem
Your Points Balance
1,810
≡ KES 1,810 redeemable value
Short Term Loan — KES 15,000 repaid+150 pts
Flexi Pay instalment — KES 8,000+40 pts
Product Financing instalment — KES 12,000+60 pts
Total Balance 1,810 pts
The Core Rule
1 Point = KES 1

Your loyalty points carry real monetary value. One point equals one Kenya Shilling and can be redeemed in full or partially on your next qualifying loan.

How You Earn

Points for every on-time repayment.

Loyalty points are awarded only when you repay on or before your due date. No points are earned on late repayments.

Short Term Loans
Short Term
Loans
Points Earned
1%
of the loan amount — credited when you repay by the due date
Points are credited on full repayment on or before the due date. Partial or late repayments do not qualify.
Flexi Pay
Flexi Pay
Points Earned
0.5%
of each instalment amount paid by the due date
Points are earned per instalment. Each instalment paid on time earns 0.5% of that instalment's value.
Product Financing
Product
Financing
Points Earned
0.5%
of each instalment amount paid by the due date
Same rate as Flexi Pay — 0.5% of each on-time instalment is credited as loyalty points.
How to Redeem

Use your points like cash.

Points are shown in your app and can be redeemed fully or partially. Where and how you redeem depends on your product.

Product Rate Earned When to Redeem
Short Term LoansInstant M-PESA cash loans
1% of loan
Redeem while repaying — fully or partially
Flexi PayBuy now, pay in instalments
0.5% per instalment
Redeem while repaying an instalment — fully or partially
Product FinancingFinance goods over 3–12 months
0.5% per instalment
Redeem while applying for a Product Financing loan
Note: Your loyalty points balance is displayed on your Little Pesa app. Points can be redeemed fully or partially — under Short Term and Flexi Pay loans during repayment, and under Product Financing during loan application.
Redeeming step by step
1
Check your balance in the app

Your points balance is displayed on the Little Pesa app home screen and updates automatically after every qualifying repayment.

2
Go to Repay or Apply

For Short Term and Flexi Pay loans, go to Repay Loan. For Product Financing, go to Apply for Loan — the redemption option appears at the payment step.

3
Choose full or partial redemption

Enter how many points to apply. Every point deducts KES 1 from your balance or application cost. You can use all your points or just some.

4
Confirm — balance updates instantly

After confirmation, the redeemed amount is applied immediately, your points balance adjusts, and you receive an in-app and SMS confirmation.

Worked Examples

See exactly what you earn.

Three practical scenarios using real loan amounts to show points earned and their cash value.

Short Term Loan
Borrow KES 20,000 and repay in full by the due date.
Loan AmountKES 20,000
Points Rate1% of KES 20,000
Points Earned200 pts = KES 200

Redeem these 200 points to offset KES 200 on your next Short Term Loan repayment.

Flexi Pay
Flexi Pay monthly instalment of KES 12,000 — paid on time each month for 3 months.
Instalment AmountKES 12,000
Points per instalment60 pts (0.5%)
× 3 months on time180 pts total
Total ValueKES 180 redeemable

Miss a due date and no points are earned for that month's instalment.

Product Financing
Finance a KES 60,000 item over 12 months. Instalment: KES 5,500/month, paid on time.
Monthly InstalmentKES 5,500
Points per instalment27.5 pts (0.5%)
× 12 months on time330 pts total
Redeem on next loanKES 330 offset

For Product Financing, points are redeemed at application, not at repayment.

FAQs
Loyalty points — answered.
Still have questions?

Our support team is available 7 days a week to help with your loyalty points queries.

Contact Support →
When are loyalty points credited? ▾
Points are credited automatically to your app account immediately after a qualifying repayment — meaning a repayment made on or before the loan due date. Your updated balance appears in the app right away.
Do I earn points on late repayments? ▾
No. Loyalty points are only awarded for repayments made on or before the due date. Late repayments — even by one day — do not qualify for any loyalty points under any product.
Can I use points to fully cover a repayment? ▾
Yes. Loyalty points can be redeemed fully or partially when repaying Short Term and Flexi Pay loans. This means you can apply all your available points to reduce or fully offset the amount due — the choice is yours.
Where can I see my loyalty points? ▾
Loyalty points earned are displayed on your Little Pesa app. You can view your current balance and redeem points directly within the app.
Can I redeem points on any loan product? ▾
Redemption depends on the product. For Short Term and Flexi Pay loans, you can redeem points fully or partially while repaying a loan. For Product Financing loans, points are redeemed at the loan application stage.
Why is the redemption method different for Product Financing? ▾
For Short Term and Flexi Pay loans, points are redeemed during the repayment process. For Product Financing, redemption happens at the loan application stage — reducing the financed amount before the loan is issued rather than offsetting an instalment payment.

Start earning on your next loan.

Borrow responsibly with Little Pesa and watch your loyalty points grow with every on-time repayment.

Apply Now →