m-PAYA Mobile Lending for Saccos

M-PAYA mobile lending provides instant short-term loans anytime anywhere without the necessity of having to wait for advance approvals or having to visit a financial institution to request for emergency money.

This innovation enables lenders (Bank, Sacco, MFI and Credit company’s) to lend small amounts of cash advances and offer other consumer services such as prepaid electricity, airtime and utility bills payment.

  • Instant loans Access
  • Lenders increase revenue
  • Improve credit scoring
  • Limitless new loan products
  • Paperless transactions

How it Works

We extend lower & time based interest rates, no paperwork or guarantors and most importantly no hidden charges


Fast and easy application, it takes as few as 5 minutes to complete an application on Shield Finance.

Receive Decision

Our system automatically verifies if you are approved and for how much. Response is immediate.

Get Advance

Receive your approved salary advance amount on your phone within minutes of application.

Employee Benefits

We are faster than a bank and better than mainstream salary advance companies. Typically up to 30% less expensive.

  • Save Money – Lower & time based interest rate
  • Easy application – Online, Mobile, Tablet & USSD
  • Transparency – No hidden charges, see what is due
  • Efficiency – Immediate cash on approval

Let’s Talk

Whether you’re interested in a partnership, Investment, Salary Advance or just fancy a chat?