At The SpaceWorld Credit, we provide accessible, convenient and practical credit solutions designed to support individuals, entrepreneurs, families and groups to meet their financial needs and pursue their goals.
Whether you are growing a business, meeting school fees, managing an urgent personal need or looking for working capital, we are here to help you access the financing you need.
Changing Lives, One Entrepreneur at a Time.
The SpaceWorld Credit is a customer-focused lending enterprise committed to providing practical credit solutions to individuals, entrepreneurs and groups.
We understand that every customer's financial situation is different. That is why we strive to make the borrowing process simple, transparent and convenient while considering each application on its individual circumstances and applicable lending requirements.
At The SpaceWorld Credit, we offer different lending solutions designed to meet different financial needs.
For IndividualsFinancial Support When You Need It
Our Personal Loans are designed to help individuals meet legitimate personal financial needs — from unexpected expenses to household requirements.
For GroupsGrow Together. Borrow Together. Succeed Together.
Financing for registered groups with a minimum membership of 10 and a maximum of 15, seeking support for income-generating activities and business development.
For EducationKeep Education Moving Forward
School fees should not stand between a student and their education. Our School Fees Loan provides financial support to eligible customers for education-related expenses.
Build discipline, grow together, and unlock opportunities through our Jitegemee and Elemisha savings accounts.
From KSh 200 / week
Save Together, Grow Together
The Jitegemee Savings Account applies to all individual borrowers. Save as little as KSh 200 per week as you make your weekly repayments.
“Jitegemee na SpaceWorld, Maisha ni Rahisi!”
Open a Jitegemee Account
From KSh 500 / week
Education Savings for Your Child
The Elemisha Savings Account applies to individual and group borrowers — save consistently to activate the School Fees Loan.
“A bridge to your child's education.”
Open an Elemisha AccountWe believe financial services should be accessible, understandable and customer-focused.
We listen to our customers and seek to understand their individual financial needs.
We strive to make the loan application and customer service experience as simple and convenient as possible.
Our lending solutions are designed around genuine financial needs and productive economic activities.
We communicate applicable loan requirements, costs, repayment obligations and other relevant terms before customers commit to a facility.
With branches across several towns in the region, our customers can access our services conveniently.
We believe successful lending goes beyond a single transaction. We aim to build long-term relationships with our customers.
From first enquiry to final repayment — a simple, transparent process.
Contact us or visit your nearest SpaceWorld Credit branch to discuss your financial needs.
Complete the loan application and provide the information and supporting documentation required for assessment.
Our team reviews your application based on the applicable eligibility criteria, repayment capacity, security requirements and other relevant considerations.
If your application meets the applicable requirements, the loan is approved subject to the agreed terms and conditions.
Once all necessary documentation and requirements have been completed, the approved funds are disbursed through the applicable channel.
Repay your loan according to the agreed repayment schedule and terms using our official Paybill.
Paybill 4043167 · Acc: National ID
Our growing branch network enables customers to access our services conveniently.
Visit our Oyugis Head Office for loan enquiries, applications, customer support and other services.
Our Homa Bay Branch serves customers within Homa Bay and surrounding areas.
Our Sondu Branch provides convenient access to SpaceWorld Credit services for customers in Sondu and surrounding areas.
Our Kisii Branch serves customers in Kisii and the surrounding region.
Our Kadongo Branch provides convenient access to our credit services within the area.
Our Rongo Branch serves customers in Rongo and surrounding areas.
“The SpaceWorld Credit helped me expand my shop when no other lender would listen. Their process was transparent and the team was respectful.”
“Our group received a loan that allowed us to purchase seeds and equipment. The repayment terms were fair and clearly explained from the start.”
“I was able to keep my daughter in school thanks to the School Fees Loan. The process was quick and the support team guided me through everything.”
Testimonials are published with the permission of our customers.
Quick answers to the questions we hear most often.
Eligible individuals, entrepreneurs and organized groups may apply, depending on the specific loan product and applicable eligibility requirements.
We currently provide Personal Loans, Business Loan, Group Loans, Asset Financing and School Fees Loans, subject to applicable terms and eligibility requirements.
Security requirements vary depending on the loan product, amount requested and individual circumstances. Contact your nearest branch for details.
Yes. You can submit an online loan enquiry/application through our website. Our team will contact you regarding the next steps and any additional requirements.
Repayment is made through the approved payment channels communicated to the customer and in accordance with the agreed repayment schedule — including our official Paybill 4043167, Account: your National ID number.
Apply today and take the next step toward your financial goals. Our team is ready to walk with you — from enquiry to disbursement.
Home / About Us
About UsThe SpaceWorld Credit is a lending company committed to providing practical financial solutions to individuals, entrepreneurs, groups and families.
We recognize the important role access to credit can play in supporting entrepreneurship, education, household needs and economic development.
Our approach is built around responsible lending, customer service, transparency and long-term relationships. We aim to make access to appropriate credit more convenient while maintaining responsible assessment of every application.
To provide accessible, responsible and customer-focused credit solutions that empower individuals, entrepreneurs and communities to pursue sustainable financial growth.
To become a trusted and preferred credit partner for individuals and businesses by delivering reliable financial solutions and exceptional customer service.
We conduct our business honestly, professionally and responsibly.
Our customers are at the centre of our service delivery.
We take responsibility for our decisions, commitments and actions.
We strive to maintain high standards in how we serve our customers and conduct our operations.
We continuously seek better and more convenient ways to serve our customers.
We believe appropriate access to credit can create opportunities for individuals, entrepreneurs and communities.
Join the growing number of individuals, groups and businesses walking with The SpaceWorld Credit toward their financial goals.
Home / Our Loans
Our Loan ProductsAt The SpaceWorld Credit, we offer different lending solutions designed to meet different financial needs.
For IndividualsFinancial Support When You Need It
Our Personal Loans are designed to help individuals meet legitimate personal financial needs. Whether you need support for an unexpected expense, household requirement or another personal financial need, our team can guide you through the application process.
For GroupsGrow Together. Borrow Together. Succeed Together.
Our Group Loan solution supports registered groups with a minimum membership of 10 and a maximum of 15, seeking financing for income-generating activities, business development and other approved purposes. We work with groups to understand their objectives and financing needs while providing guidance throughout the lending process.
For EducationKeep Education Moving Forward
School fees should not stand between a student and their education. Our School Fees Loan solution is designed to provide financial support to eligible customers seeking assistance with education-related expenses. Speak to our team to understand the applicable requirements, terms and repayment arrangements.
Working Capital & Growth Financing
For eligible entrepreneurs and businesses seeking financing for working capital, stock, equipment and other approved business purposes, subject to applicable terms and eligibility requirements.
LaptopsAssets Financing on Laptops — With the Latest Specifications
Power your productivity with reliable, high-performance laptops. Asset Financing is purely on laptops, targeting university and college joining students. The parent or guardian must have been an active borrower for not less than 6 months at the time the student is joining, and their Elemisha Savings Account must be active to qualify.
Talk to our team. We will listen to your needs and guide you toward the right credit solution — or let you know if we cannot help.
Where applicable, loans may be secured using acceptable collateral or other forms of security determined by The SpaceWorld Credit. The type and value of security required may vary depending on factors such as:
Customers will be informed of the applicable security requirements before finalizing a loan facility.
Submission of collateral or an application does not automatically guarantee loan approval. All applications are subject to assessment and applicable lending requirements.
Before accepting a loan, consider your ability to repay the facility according to the agreed repayment schedule. If you are uncertain about any aspect of a loan, please speak to our team before signing the loan agreement.
Complete our online enquiry form and our team will contact you regarding the next steps.
Home / Savings
Savings SolutionsBuild discipline, grow together, and unlock opportunities through our Jitegemee and Elemisha savings accounts.
From KSh 200 / week
Save Together, Grow Together
The Jitegemee Savings Account applies to all individual borrowers. Save as little as KSh 200 per week as you make your weekly repayments. Three months of consistent saving qualifies you for a loan twice your savings. After three months, you may withdraw your savings with 3% interest after the elapse of the period.
“Jitegemee na SpaceWorld, Maisha ni Rahisi!” — for group chama & individual loans · get a loan twice your savings · friendly interest rate
Open a Jitegemee Savings Account
From KSh 500 / week
Education Savings for Your Child
The Elemisha Savings Account applies to individual and group borrowers. Borrowers must consistently save at least KSh 500 per week as they service their loan for at least three months to activate the School Fees Loan. Disbursement is done straight to the school's account and the borrower is furnished with a fee payment slip. Without utilizing Elemisha Savings, borrowers can withdraw savings after three months with 2% interest.
“A bridge to your child's education.” — secure savings · grow their future · education focus · parent-friendly
Open an Elemisha Savings AccountThank you. Our team will contact you with the next steps to activate your Jitegemee Savings Account.
Reference: JG-2026-0000Thank you. Our team will contact you with the next steps to activate your Elemisha Savings Account.
Reference: EL-2026-0000Home / Loan Application
Loan ApplicationInterested in getting a loan from The SpaceWorld Credit? Complete our online enquiry/application form and our team will contact you regarding the next steps.
Thank you for your enquiry. Our team will review the information provided and contact you regarding the next stage of the application process.
Reference: SWC-2026-0000Please keep this reference for follow-up. You may also reach us on +254 715 465 620 (Call or WhatsApp).
Home / Branches
Our Branch NetworkOur growing branch network enables customers to access our services conveniently.
Visit our Oyugis Head Office for loan enquiries, applications, customer support and other services.
Contact this branchOur Homa Bay Branch serves customers within Homa Bay and surrounding areas.
Contact this branchOur Sondu Branch provides convenient access to SpaceWorld Credit services for customers in Sondu and surrounding areas.
Contact this branchOur Kadongo Branch provides convenient access to our credit services within the area.
Contact this branchMonday – Friday: 8:00 AM – 5:00 PM · Saturday: Closed · Sunday: 8:00 AM – 2:00 PM. Customers are welcome to visit their nearest SpaceWorld Credit branch for enquiries and guidance.
Reach our team by phone, WhatsApp or email — or walk into your nearest branch. We are here to help.
Home / FAQs
FAQsClear answers to help you borrow with confidence. If you cannot find your answer here, talk to us — we are happy to help.
Eligible individuals, entrepreneurs and organized groups may apply, depending on the specific loan product and applicable eligibility requirements.
We offer the Jitegemee Savings Account (from KSh 200 per week; three months of consistent saving qualifies you for a loan twice your savings, withdrawable after three months with 3% interest) and the Elemisha Savings Account (from KSh 500 per week; activates the School Fees Loan, disbursed directly to the school with a fee payment slip, withdrawable after three months with 2% interest). Visit the Savings page to open an account.
We currently provide Personal Loans, Business Loan, Group Loans, Asset Financing and School Fees Loans, subject to applicable terms and eligibility requirements.
The amount you may qualify for depends on factors such as the loan product, your repayment capacity, security/collateral and the company's applicable lending criteria.
Security requirements vary depending on the loan product, amount requested and individual circumstances. Contact your nearest branch for details.
Processing times may vary depending on the completeness of your application, assessment requirements, verification and other relevant factors.
Credit reference information may be considered as part of our applicable credit assessment procedures. Please contact us for the requirements applicable to your specific loan product.
You can submit an enquiry through our website, contact us through our official communication channels or visit your nearest SpaceWorld Credit branch.
Yes. You can submit an online loan enquiry/application through our website. Our team will contact you regarding the next steps and any additional requirements.
Our team will review the information provided and contact you regarding the next stage of the application process.
Any applicable interest, fees, charges or other costs will be communicated in accordance with the applicable loan agreement and terms before the facility is finalized.
Repayment is made through the approved payment channels communicated to the customer and in accordance with the agreed repayment schedule — including our official Paybill 4043167, Account: your National ID number.
Yes. Customers are welcome to visit their nearest SpaceWorld Credit branch for enquiries and guidance.
Our team is ready to assist you — by phone, WhatsApp, email or in person at any of our six branches.
Home / Contact
Contact UsHave a question about our loans or services? Our team is ready to assist you.
The SpaceWorld Credit
Oyugis, Kenya
+254 715 465 620
Call us during business hours
+254 715 465 620
Message us any time
We reply as soon as we can
Monday – Friday: 8:00 AM – 5:00 PM
Saturday: Closed
Sunday: 8:00 AM – 2:00 PM
Thank you for reaching out. Our team will respond to you as soon as possible through your preferred contact details.
Reference: MSG-2026-0000Home / Legal & Policies
Legal & PoliciesTransparency is one of our core values. These policies explain how we handle information, how this website may be used, and our commitment to responsible lending.
The SpaceWorld Credit respects the privacy of its customers, website visitors and other users of its services. This Privacy Policy explains how we may collect, use, store and protect personal information provided through our website and other official communication channels.
Depending on the service requested, we may collect information such as:
Information may be used to:
We take reasonable measures to protect customer information against unauthorized access, loss, misuse, alteration or disclosure.
Where necessary and permitted by applicable law, information may be shared with relevant service providers, professional advisers, credit reference agencies, regulators, government authorities or other authorized parties for legitimate business, legal or regulatory purposes.
You may have rights relating to your personal information under applicable Kenyan data-protection laws. For privacy-related enquiries, contact:
The SpaceWorld Credit
Email:
Phone: +254 715 465 620
By accessing and using this website, you agree to use the website responsibly and in accordance with applicable laws.
Information published on this website is intended for general informational purposes and does not by itself constitute an offer or guarantee of credit.
Loan approval is subject to assessment, eligibility requirements, applicable policies and the terms of the relevant loan agreement.
The SpaceWorld Credit reserves the right to update website information, products, services and applicable terms from time to time.
Customers should carefully review the applicable loan agreement and related documentation before accepting a loan facility.
Specific loan terms — including interest, fees, charges, repayment periods, security requirements and eligibility criteria — are product-specific and are communicated to customers in accordance with the applicable loan agreement and terms before any facility is finalized.
Publication of information about a loan product on this website does not guarantee that any individual applicant will qualify for financing. The applicable loan agreement and official documentation will govern the specific credit facility.
For clarification on the terms applicable to a specific product, please contact The SpaceWorld Credit directly through our official communication channels or visit your nearest branch.
At The SpaceWorld Credit, we believe lending should be conducted responsibly and transparently. We seek to:
Before accepting a loan, customers should consider their ability to repay the facility according to the agreed repayment schedule. If you are uncertain about any aspect of a loan, please speak to our team before signing the loan agreement.
The information provided on this website is for general informational purposes.
Publication of information about a loan product does not guarantee that any individual applicant will qualify for financing.
Loan approval, loan amount, interest, fees, security requirements, repayment period and other applicable terms are subject to the relevant product terms, assessment and applicable agreements.
Customers should not rely solely on website information when making a borrowing decision. The applicable loan agreement and official documentation will govern the specific credit facility.
For clarification, please contact The SpaceWorld Credit directly through our official communication channels.
Online — loans, savings & applications