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Bayes Loan App Download | How to Apply for Loan

Bayes Loan App Download

Bayes Loan App Download The Bayes loan app is a versatile platform that allows customers to pay bills, send money, pay merchants, buy airtime, and borrow from a single interface. It provides quick microloans and a convenient way to track your spending through its mobile lending platform. If you find yourself in a tough financial situation and need a reliable solution, it’s high time you try out Bayes.

Bayes Loan Features and Benefits

Bayes offers quick mobile loans with the best interest rates when you need them the most. We promise to provide loans that complement your life, ensuring convenience with flexible repayment periods that don’t interfere with your normal routine.

Salary Advance for Your Employees

Bayes also provides a salary advance facility for employees, offering access to bridge financing for mid-month emergency needs. This facility has a maximum limit of up to 30% of the net pay and aims to approve the applied amounts within 24 hours.

  1. Submit Application

To get started, contact us using our contact details and submit your service application. Our team will assess your application based on our procedures and provide you with a communication within 24 hours.

  1. Approval & System Integration

You’ll sign a mutual agreement once your application is received, assessed, and approved. With minimal effort, we will then integrate our product and processes into your existing salary processing system.

  1. Salary Advance

Once your organization has been approved and our product is integrated with your salary processing system, your employees can submit their applications for a salary advance. These applications will be processed within 24 hours, providing them the financial support they need.

For more information or to apply for a salary advance, visit our website or contact our support team.

How to Access a Bayes Loan

Accessing a loan through the Bayes platform is easy and convenient. There are two methods available for users to access loans:

  1. USSD Code: To access a Bayes loan using the USSD code, follow these steps:
    • Dial 87988# on your mobile device.
    • A menu will appear with different options for Bayes services.
    • Select the option related to loans or loan applications.
    • Follow the prompts to provide the necessary information and complete your loan application.
    • Once your loan application is approved, the loan amount will be disbursed to your Bayes account.

    This method lets you access a Bayes loan through your mobile dialer. It provides a quick and convenient way to apply for a loan without downloading or installing any additional applications.

  2. App Download: If you prefer to use the Bayes loan app, follow these steps:
    • Go to the Google Play Store on your Android-supported smartphone.
    • Search for the “Bayes loan app” in the search bar.
    • Locate the official Bayes loan app and click on it.
    • Tap the “Download” button to begin the installation process.
    • Once the app is downloaded and installed, launch it on your device.
    • Create an account by providing your details, such as your MPESA number, full name, ID number, date of birth, and gender.
    • Accept the terms and conditions of the app.
    • After completing the registration process, you can log in to the Bayes app and access the loan features.
    • Navigate to the loan section, choose the desired loan amount, and submit your application.
    • Upon approval, the loan amount will be credited to your Bayes account.

    The Bayes loan app provides a seamless user experience and lets you access a loan directly from your smartphone. It offers additional features such as bill payments, money transfers, and spending tracking in one convenient interface.

Choose the method that suits your preference and start accessing loans through the Bayes platform today. Whether you opt for the USSD code or the Bayes loan app, you’ll experience a hassle-free loan application process and receive the funds you need promptly.

How to Install the Bayes Loan App

Installing the Bayes loan app on your mobile device is a simple process. Just follow these steps:

  1. Go to the Google Play Store: Open the Google Play Store on your Android device.
  2. Search for “Bayes”: In the search bar at the top of the screen, type “Bayes” and tap the search icon or press Enter.
  3. Select the Bayes App: Locate the official Bayes loan app from the search results. Look for the app with the Bayes logo and the developer listed as Bayes Co. Ltd. Tap on the app to open its store page.
  4. Download and Install: On the Bayes app’s store page, tap the “Install” button to begin downloading and installing. Wait for the app to download and install on your device. This may take a few moments, depending on your internet connection speed.
  5. Launch the App: Once the installation is complete, tap the “Open” button or locate the Bayes app icon on your device’s home screen or drawer. Tap on it to launch the app.
  6. Create an Account: Upon launching the app, you will be prompted to create an account. Provide the required details, including your MPESA number, full name, ID number, date of birth, gender, and any other information requested. Ensure that the information you provide is accurate and up to date.
  7. Accept Terms and Conditions: Read the terms and conditions of using the Bayes app carefully. If you agree to the terms, tap the checkbox or button indicating your acceptance.
  8. Receive PIN via SMS: After accepting the terms and conditions, you will receive a text message containing your PIN. This PIN is a security measure to authenticate your account. Keep it confidential, and do not share it with anyone.

Congratulations! You have successfully installed the Bayes loan app and created your account. You can now explore the app’s features, apply for loans, and enjoy the convenience of managing your finances on the go.

Requirements for Loan Application

Similar to other digital lending platforms, Bayes allows loan applications from individuals who are 24 years and above. You must submit your passport or national identification details during the application process. Additionally, Bayes customers are required to provide their six months MPESA statement for review and loan approval.

How to Borrow Through the Bayes App

Borrowing money through the Bayes app is quick and convenient. Follow these simple steps to access the funds you need:

  1. Login to the Bayes App: Open the Bayes app on your mobile device and enter your registered account credentials to log in. You can find the app on the Google Play Store if you haven’t downloaded the app yet. Ensure that your smartphone is compatible with the app.
  2. Navigate to the Loans Section: Once logged in, navigate to the loans section within the app. This section will provide all the necessary information and options for borrowing money.
  3. Click on “Borrow”: In the loans section, locate the “Borrow” option and click on it. This will initiate the loan application process and allow you to request the desired amount.
  4. Select the Loan Amount: Choose the amount you want to borrow from the available options within the app. Bayes offers a range of loan amounts to suit different needs and financial situations. Select the amount that aligns with your requirements.
  5. Submit the Required Information: After selecting the loan amount, you will be prompted to provide the necessary information for the loan application. This may include personal details, such as your identification number, full name, and other relevant information. Ensure you provide accurate and up-to-date information to expedite the loan approval process.
  6. Loan Approval and Disbursement: Once you have submitted all the required information, your loan application will be reviewed by Bayes. The approval process is typically fast, and upon approval, the borrowed amount will be credited to your Bayes account. You can then use the funds for your intended purposes, such as paying bills, making purchases, or other financial needs.

Following these steps, you can easily borrow money through the Bayes app and access the necessary funds. The app provides a user-friendly interface and a seamless borrowing experience, empowering you to meet your financial obligations and goals.

Remember to borrow responsibly and comfortably repay the loan within the specified terms and conditions. Bayes offers flexible repayment options to accommodate your financial capabilities and provide a positive borrowing experience.

Take advantage of the Bayes app to access quick and convenient loans when needed. Start your borrowing journey today and experience the benefits of Bayes’s reliable and accessible financial solutions.

Loan Approval

Loan requests on Bayes are processed and approved instantly after submitting an MPESA statement. To expedite the loan processing, borrowers must send their six months MPESA statement to [email protected].

Loan Repayment Period

The repayment period for Bayes loans varies based on several factors. On average, borrowers are required to repay the loan within 14-30 days. However, if borrowers cannot repay on time, a grace period of three days is provided. This allows borrowers to prepare and repay the loan within the given time frame.

Review of Loan Limit

Timely loan repayment and a healthy financial history are crucial in unlocking a higher loan limit on the Bayes platform. How you service your loans from the app determines your eligibility for a higher loan limit. Loan limits are gradually increased based on your borrowing behaviour and timely repayment. Regular borrowing and prompt repayment improve your chances of qualifying for a higher loan amount.

Bayes Loan Repayment via MPESA

Repaying your Bayes loan is simple and can be done using the following steps:

  1. Go to your Safaricom MPESA Menu.
  2. Select the “Lipa na MPESA” option.
  3. Choose the “Paybill” option.
  4. Enter 599862 as the Paybill number.
  5. In the account number field, enter your phone number or ID number.
  6. Enter the amount you want to repay.
  7. Enter your MPESA PIN.
  8. Before confirming the payment, double-check that all the details are correct.
  9. Press “OK” to complete the repayment.

Accessing Bayes via USSD

Registered users can still access Bayes loan products via the USSD code 87988# if they have lost their smartphone and need to access the Bayes platform. Unfortunately, new users cannot create an account through the USSD option, which is only available for registered users. Once you have created an account, you can easily borrow funds of your choice, which will be credited to your Bayes wallet immediately.


With thousands of digital lending platforms flooding the Kenyan market, finding a reliable lender can be challenging. However, Bayes stands out by offering market-friendly lending rates and a convenient online borrowing alternative for entrepreneurs and households.

If you need assistance with the Bayes loan application and registration process, feel free to reach out to our customer service team through [email protected], 020-765-0847/020-765-0852, or visit our website for more information. Get Bayes for fast, convenient mobile loans and all your mobile transactions.

Frequently Asked Questions about Bayes

Here are some frequently asked questions about Bayes and their answers:

  1. How do I repay my Bayes loan?

    From the app, you can use the “Repay” button on the loans screen to repay your instalment or the full loan amount. Alternatively, you can send the money to our Paybill number, 599862, using your ID number as the account number.

  2. What are the loan qualification requirements?

    Loan qualification is based on several factors, including mobile money usage, borrowing and repayment history from other lenders, and credit ratings from various credit reference bureaus (CRBs). If you do not qualify instantly, we encourage you to keep the app installed and use our other services to build a history with us and qualify for a loan in the future.

  3. What happens if I skip loan instalments?

    We advise clients to make their payments as per the agreement during disbursement. Skipping instalments will negatively affect your eligibility for future loans.

  4. Does early repayment affect my loan limit?

    We encourage you to repay early or on time, as this will positively contribute to increasing your loan limit.

  5. How can I reach customer support?

    You can reach out to us through Facebook or the chat feature on our app for further assistance. Alternatively, you can dial 87988# to access your Bayes account.

  6. What happens if I fail to repay my loan on time?

    Failure to repay on time will result in penalties, reduced loan limits, or the inability to access another loan.

  7. Why can’t I access a new loan immediately?

    If your loan is overdue for a long time, you cannot access a new loan immediately. We will notify you via text message if you are reconsidered for a loan.

Transforming Lives with Bayes

We are excited about how we are transforming the lives of Kenyans, one after another. Here’s what Bayes users love about Bayes for all their mobile transactions:

  • Quick loan disbursement
  • Affordable interest rates
  • Convenient repayment options
  • Transparent fees
  • User-friendly mobile app
  • Excellent customer service

Join the Bayes community today and experience the convenience of fast and reliable mobile loans and transactions.

How to Contact Bayes

You can contact Bayes through various channels to receive assistance and information or address concerns. Here’s how you can contact us:

Email: Send an email to our customer care team at [email protected]. They are available to assist you with any inquiries or issues you may encounter while using our services. Whether you need clarification on the loan application process, repayment options, or general information about Bayes, our dedicated customer care team is ready to help.

Phone Support: If you prefer to speak with a representative directly, you can reach our support team by dialling +254759808086. Our support agents are trained to provide prompt and helpful assistance, ensuring your concerns are addressed efficiently.

Website: Visit our website at for detailed information about our services, loan products, and the features of the Bayes loan app. The website offers a comprehensive overview of our offerings, including the loan application process, repayment terms, frequently asked questions, and customer testimonials. Explore the website to learn how Bayes has transformed the lives of individuals and businesses in Kenya.

At Bayes, we prioritize transparent communication and excellent customer support. We are dedicated to being there for you every step of the way, providing accessible and reliable financial solutions. Don’t let financial challenges hold you back from achieving your goals. Take control of your finances with Bayes, your trusted mobile loan and transaction partner.

Contact us today to experience the convenience and flexibility of our services. Our customer care team is here to assist you with any inquiries or assistance. Contact us via email, phone support, or visit our website for more information. Let Bayes empower you on your financial journey!

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