About Us

KayaCredit is the Philippines' first profile scoring service giving the vast majority of unbanked but economically active Filipinos quick and convenient access to personal and small business loans.

KayaCredit also enables partner lenders with a better way to find qualified and responsible borrowers.

Using state of the art artificial intelligence, KayaCredit analyzes behavioral and transaction data from various sources - prepaid top ups, remittances, bills payments, insurance premiums, loan amortizations and social media - to predict a borrower's financing needs and repayment behavior and to provide "instant and continuous" underwriting information for partner lenders.

Through the KayaCredit lender platform, qualified borrowers can quickly and conveniently access the appropriate loans from our partner lenders.