+254 715 465 620 Oyugis, Kenya — Head Office
Mon – Fri: 7.30 AM – 5:00 PM Paybill 4043167 · Acc: National ID
The SpaceWorld Credit
Changing Lives, One Entrepreneur at a Time!Call / WhatsApp: +254 715 465 620www.thespaceworldcredit.comPaybill 4043167 · Account: National IDOyugis · Homa Bay Town · Sondu · Kisii · Kadongo · RongoChanging Lives, One Entrepreneur at a Time!Call / WhatsApp: +254 715 465 620www.thespaceworldcredit.comPaybill 4043167 · Account: National IDOyugis · Homa Bay Town · Sondu · Kisii · Kadongo · Rongo
Personal LoansSmall Business Loans (SBL)Group LoansSchool Fees LoansAsset Financing on LaptopsJitegemee & Elemisha SavingsMon–Fri 7.30 AM – 5:00 PM · Sat, Sun & Public Holidays: ClosedPersonal LoansSmall Business Loans (SBL)Group LoansSchool Fees LoansAsset Financing on LaptopsJitegemee & Elemisha SavingsMon–Fri 7.30 AM – 5:00 PM · Sat, Sun & Public Holidays: Closed
Credit & Lending Services · Oyugis, Kenya

Access the Financial Support You Need to Move Forward

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.

Growing a Business School Fees Urgent Personal Needs Working Capital
Changing Lives, One Entrepreneur at a Time.
Apply for a Loan Product Contact Us
6 BranchesOyugis, Homa Bay Town, Sondu, Kisii, Kadongo & Rongo
Individual AssessmentEvery application considered on its own circumstances
Transparent ProcessRequirements & terms communicated before you commit
Official Repayment Paybill: 4043167Account: your National ID number

Our numbers to date

Ksh.800,000+
Support towards Orphans' Scholarship Programme
700+
Approximate Customers
44+
Group Loans Onboarded
400+
Widows supported through our Corporate Social Responsibility (CSR)
Read our CSR story →
Quick · Simple · Secure

Start Your Application

Share a few details and we will take you straight to the full application form — pre-filled and ready to complete and submit.

Your details are only sent when you submit the full application.

Please enter your name.
Please enter a reachable phone number.
Please choose a product.
Who We Are

Your Trusted Partner in Financial Growth

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.

  • Simple, transparent and convenient borrowing process
  • Each application considered on its individual circumstances
  • Lasting relationships built around business growth and improved livelihoods
Learn More About Us
6
Branch Locations
5+
Years Serving
100%
Customer Focused
A SpaceWorld Credit customer service officer assisting a client
Our Loan Products

Find the Right Credit Solution for Your Needs

At The SpaceWorld Credit, we offer different lending solutions designed to meet different financial needs.

View All Loan Products
Personal Loans Group Loans School Fees Loans Small Business Loans (SBL) Asset Financing Inua Biashara Loan Jitegemee Savings Elemisha Savings

Need Financial Support?

Apply today and take the next step toward your financial goals. Our team is ready to walk with you — from enquiry to disbursement.

Apply Now Talk to Us WhatsApp Us

Home  /  About Us

About Us

Building Financial Opportunities. Empowering Communities.

The SpaceWorld Credit is a lending company committed to providing practical financial solutions to individuals, entrepreneurs, groups and families.

A community group meeting in rural Kenya
Who We Are

Your Trusted Partner in Financial Growth

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.

We listen first. Every application is assessed on its merits, terms are explained plainly, and our team stays reachable from the first enquiry to the final payment.

From our Head Office in Oyugis we also serve Homa Bay Town, Sondu, Kisii, Kadongo and Rongo — one team, close to the communities we finance.

A percentage of loan interest funds the Widows Programme together with DEAL Foundation Missions International, because impact should outlast the loan.

  • Responsible lending and careful assessment
  • Customer service and transparency at every step
  • Long-term relationships with our customers

Our Mission

To provide accessible, responsible and customer-focused credit solutions that empower individuals, entrepreneurs and communities to pursue sustainable financial growth.

Our Vision

To become a trusted and preferred credit partner for individuals and businesses by delivering reliable financial solutions and exceptional customer service.

Our Motto

Changing Lives, One Entrepreneur at a Time.

Our Values

The Principles That Guide Us

Integrity

We conduct our business honestly, professionally and responsibly.

Customer Focus

Our customers are at the centre of our service delivery.

Accountability

We take responsibility for our decisions, commitments and actions.

Professionalism

We strive to maintain high standards in how we serve our customers and conduct our operations.

Innovation

We continuously seek better and more convenient ways to serve our customers.

Empowerment

We believe appropriate access to credit can create opportunities for individuals, entrepreneurs and communities.

Corporate Social Responsibility

Creating Impact Beyond Lending

The SpaceWorld Credit works hand in hand with our sister organisation, DEAL Foundation Missions International, to create meaningful and lasting impact in the lives of more than 300 widows participating in our programmes.

300+Widows participating in our programmes
2026Dedicated Food Security Programme launched
Interest → ImpactA percentage of loan interest funds the Widows Programme
Our Sister Organisation

DEAL Foundation Missions International

“Changing Lives, One Vulnerable at a Time!”

The Widows Programme and the Food Security Programme described on this page are implemented by our sister organisation, DEAL Foundation Missions International. Visit their website to learn more about their mission work.

Visit DEAL Foundation ↗
Our Partnership

Hand in hand with DEAL Foundation Missions International

As part of our commitment to social responsibility and community transformation, a percentage of the interest generated from our loan products is directed towards supporting the Widows Programme implemented by DEAL Foundation Missions International.

Food Security Programme · 2026

Enough food, throughout the year

In 2026, through the continued support of The SpaceWorld Credit, DEAL Foundation Missions International has taken a significant step towards transforming the livelihoods of these widows through a dedicated Food Security Programme. The initiative is designed to promote sustainable access to food and ensure that participating widows and their households have enough food throughout the year.

This initiative goes beyond financial support. It is about restoring dignity, strengthening household resilience, promoting self-reliance, and creating hope for families that face significant economic challenges.

Our belief

At The SpaceWorld Credit, we believe that business should not only generate financial returns—it should also create positive social impact. Every loan taken, every business supported, and every interest payment contributes, in part, towards making a difference in the lives of vulnerable members of our community.

Join Us

Help us expand this impact

We therefore welcome individuals, organisations, partners, well-wishers, and development agencies to join us in expanding this impact. Your support can help us reach more widows, strengthen food security, and build more resilient households.

Partner With Us — Contact Apply for a Loan

Every loan taken contributes, in part, to the Widows Programme and the Food Security Programme.

Changing Lives, One Entrepreneur at a Time.

Join the growing number of individuals, groups and businesses walking with The SpaceWorld Credit toward their financial goals.

Apply Now Find a Branch
Customer Testimonials

What Our Customers Say

“The SpaceWorld Credit helped me expand my shop when no other lender would listen. Their process was transparent and the team was respectful.”
MA
Margaret A.Small Business Owner, Oyugis
“Our group received a loan that allowed us to purchase seeds and equipment. The repayment terms were fair and clearly explained from the start.”
JK
James K.Group Leader, Homa Bay
“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.”
GM
Grace M.Parent, Sondu

Testimonials are published with the permission of our customers.

Home  /  Our Loans

Our Loan Products

Find the Right Credit Solution for Your Needs

At The SpaceWorld Credit, we offer different lending solutions designed to meet different financial needs.

Inua Biashara Loan campaign poster with pricing, benefits and enquiry number
New business loan

Inua Biashara Loan

Quick cash for your business, when you need it most!

Pricing shown 14% minimum interest for the first 2 weeks Then 1% per day for the next 14 days The earlier you pay, the less you pay!
Fast ApprovalGet your money within hours.
Flexible RepaymentPay at your convenience.
For All BusinessesSmall, medium and growing enterprises.
No Long DelaysSimple and fast process.
Turn Your Ideas into Profits!0700431882
Apply for Inua Biashara Loan Enquire Now

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • A few words on your business or employment

Applications are subject to assessment and applicable terms. Ask our team for complete terms before accepting a loan.

More Credit Solutions

Explore Our Other Loan Products

Have these handy when you apply — the team confirms anything else with you during assessment.

A Kenyan family outside their homeFor Individuals

Personal Loan

Financial 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.

  • Convenient application process
  • Individual assessment
  • Flexible financing options, subject to applicable terms
  • Collateral/security-based lending where applicable
  • Dedicated customer support

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • A short description of what the loan is for
  • A few words on your employment situation
Apply for a Personal Loan
A women's group meeting in rural KenyaFor Groups

Group Loan

Grow 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.

  • Business groups
  • Investment groups
  • Entrepreneurial groups
  • Community-based groups
  • Other eligible organized groups

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • Your group or chama's name (membership of 10–15)
Apply for a Group Loan
Kenyan students studying togetherFor Education

School Fees Loan

Keep 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.

  • Support for education-related expenses
  • Clear requirements and terms
  • Agreed repayment arrangements
  • Guidance from our team

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • The learner's school name and class/level
  • Parent/guardian details (name and phone)
  • An active Elemisha Savings Account — from KSh 500/week for 3 months
Enquire About School Fees Loan

Small Business Loan (SBL)

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.

  • For eligible individuals & businesses
  • Assessed on your business circumstances
  • Terms communicated before you commit

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • A few words on your business or employment
Apply for a Small Business Loan (SBL)
Assets Financing on laptops with the latest specificationsLaptops

Asset Financing

Assets 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.

  • Latest specifications — high-performance laptops for modern needs
  • Affordable financing — flexible plans that fit your budget
  • Quick & easy process — fast approval with minimal paperwork
  • Flexible repayment — comfortable payment terms that work for you

Have ready when you apply

  • Your National ID number (it doubles as your account number)
  • Your KRA PIN
  • A clear recent passport photo (JPG, JPEG or PNG)
  • Your phone number and an email address
  • A guarantor's details — full name, ID number, phone, physical address, relationship and occupation
  • The laptop you want: device type and preferred specifications
  • Your school/course and guardian details
Enquire About Asset Financing

Not Sure Which Product Fits?

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.

Collateral & Security

How Security Requirements Work

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:

  • Loan amount
  • Loan purpose
  • Repayment capacity
  • Customer profile
  • Type of facility
  • Applicable lending policies

Customers will be informed of the applicable security requirements before finalizing a loan facility.

Important

Submission of collateral or an application does not automatically guarantee loan approval. All applications are subject to assessment and applicable lending requirements.

Borrow Responsibly

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.

Start Your Application

Ready to Take the Next Step?

Complete our online enquiry form and our team will contact you regarding the next steps.

Apply Now Find a Branch

Home  /  Savings

Savings Solutions

Open a Savings Account Today

Build discipline, grow together, and unlock opportunities through our Jitegemee and Elemisha savings accounts.

Jitegemee Savings — save today, secure tomorrow, empower your dreams From KSh 200 / week

Jitegemee Savings Account

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.

  • Applies to all individual borrowers
  • Save as little as KSh 200 per week
  • Three months consistent saving = loan twice savings
  • Withdraw after 3 months with 3% interest

“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
Elemisha Savings Account — a bridge to your child's education From KSh 500 / week

Elemisha Savings Account

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.

  • Applies to individual and group borrowers
  • Save at least KSh 500/week for 3 months to activate School Fees Loan
  • Funds disbursed directly to school account; fee slip provided
  • Withdraw after 3 months with 2% interest without using the loan

“A bridge to your child's education.” — secure savings · grow their future · education focus · parent-friendly

Open an Elemisha Savings Account

Open a Jitegemee Savings Account

Save KSh 200/week. Individual borrowers only. 3 months consistent saving = loan 2× savings. Withdraw after 3 months with 3% interest.

Please enter your full name.
Please enter a reachable phone number.
Please enter a valid email address for your confirmation copy.
Please enter your National ID number.
Please choose your county.
Please choose your sub-county.
Please select a weekly savings amount.
Optional — e.g. preferred weekly amount if "Other"
Declaration Please accept the declaration to submit.
Submitting automatically downloads your completed PDF and sends the same copy with a confirmation message to your email and our applications team.

Jitegemee Account Opening Received!

Thank you. Our team will contact you with the next steps to activate your Jitegemee Savings Account.

Reference: JG-2026-0000

Open an Elemisha Savings Account

Save KSh 500/week for 3 months to activate the School Fees Loan. Applies to individual and group borrowers. Withdraw after 3 months with 2% interest without using the loan.

Please enter your full name.
Please enter a reachable phone number.
Please enter a valid email address for your confirmation copy.
Please enter your National ID number.
Please choose your county.
Please choose your sub-county.
Please select the applicant type.
Optional — needed only for School Fees Loan activation
Please select a weekly savings amount.
Please choose your preferred branch.
Optional — e.g. preferred weekly amount if "Other"
Declaration Please accept the declaration to submit.
Submitting automatically downloads your completed PDF and sends the same copy with a confirmation message to your email and our applications team.

Elemisha Account Opening Received!

Thank you. Our team will contact you with the next steps to activate your Elemisha Savings Account.

Reference: EL-2026-0000

Home  /  Loan Application

Loan Application

Apply for Financing

Interested in getting a loan from The SpaceWorld Credit? Complete our online enquiry/application form and our team will contact you regarding the next steps.

Applicant Information

Fields marked * are required. Submission of this form does not constitute approval or an offer of credit.

Your Details
Please enter your full name.
Please enter a reachable phone number.
Please enter a valid email address for your confirmation copy.
Please enter the applicant's National ID number (digits only).
As on your KRA PIN certificate — letter, 9 digits, letter. Please enter a valid KRA PIN (e.g. A012345678Z).
Clear face photo — JPG, JPEG or PNG, max 4 MB. It is embedded in your application PDF. Please attach a clear recent passport photo (JPG, JPEG or PNG, max 4 MB).
Clear photo of the FRONT of your National ID — JPG, JPEG or PNG, max 4 MB. Attached to the end of your application PDF. Please attach a clear photo of the FRONT of your ID (JPG, JPEG or PNG, max 4 MB).
Clear photo of the BACK of your National ID — JPG, JPEG or PNG, max 4 MB. Please attach a clear photo of the BACK of your ID (JPG, JPEG or PNG, max 4 MB).
For students: the FRONT of your student ID. Optional — the parent/guardian ID above is the one asset finance requires.
The BACK of your student ID (optional).
Please choose your county.
Please choose your sub-county.
Loan Details
Please select a loan type. Only the requirements for your chosen product appear — the PDF form title follows your selection.
Where the business is located — town, market or estate Please enter the business location.
Indicative amount — final facility subject to assessment
Please choose your preferred branch.
Please briefly describe the purpose of the loan.
Employer, business type, income sources — anything that helps us understand your circumstances
Please choose how we should contact you.
Please choose a disbursement method.
Must be registered under your National ID Please enter your M-PESA number.
Please select your bank.
Please enter the branch name.
Please enter the account number.
Please enter the account name.
Asset Financing Details
Please enter the student's full name.
Please enter the school or college name.
Please enter the course or program.
Please enter the parent/guardian's full name.
Please enter the parent/guardian's phone number.
Please choose the type of device you need.
You receive the laptop itself — not cash — so choose the type and specifications that suit your course.
All three confirmations are required for Asset Financing.
Group Details
Please enter your group's name.
School Fees Loan Details
Please enter the student's full name.
Please enter the parent/guardian's full name.
Please enter the school name.
Please enter the class or grade.
Please enter the school fees amount.
Guarantor's Details

Every loan product requires one guarantor. Please ask them first — they fill in their own details below, and our team explains the guarantor’s role during assessment.

Please enter the guarantor’s full name.
Please enter the guarantor’s National ID number.
Please enter the guarantor’s phone number.
Please enter the guarantor’s physical address.
Please state the guarantor’s relationship with you.
Please enter the guarantor’s occupation or business.
Next of Kin Details
Please enter the next of kin’s full name.
Please state the relationship.
Please enter a valid phone number.
Optional
GUARANTOR’S CONSENT

The full guarantee undertaking — guarantor’s declaration and commitment, consent, borrower’s acknowledgement and witness — is captured on the application form. By this check mark the guarantor confirms:

The guarantor must accept this consent to submit.
Declaration Please accept the declaration to submit.
Submitting automatically downloads your completed PDF and sends the same copy with a confirmation message to your email and our applications team.

Application Received!

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-2026-0000

Please keep this reference for follow-up. You may also reach us on +254 715 465 620 (Call or WhatsApp).

How It Works

Your Journey to Financing, Step by Step

From first enquiry to final repayment — a simple, transparent process.

1

Make an Enquiry

Contact us or visit your nearest SpaceWorld Credit branch to discuss your financial needs.

2

Submit Your Application

Complete the loan application and provide the information and supporting documentation required for assessment.

3

Application Assessment

Our team reviews your application based on the applicable eligibility criteria, repayment capacity, security requirements and other relevant considerations.

4

Approval

If your application meets the applicable requirements, the loan is approved subject to the agreed terms and conditions.

5

Disbursement

Once all necessary documentation and requirements have been completed, the approved funds are disbursed through the applicable channel.

6

Repayment

Repay your loan according to the agreed repayment schedule and terms using our official Paybill.

Paybill 4043167 · Acc: National ID

Ready to Get Started?

Apply Now

Home  /  Branches

Our Branch Network

Find a SpaceWorld Credit Branch Near You

Our growing branch network enables customers to access our services conveniently.

Explore Our Service Towns

Select a town to place its pin on the Google map, open a larger view or request directions.

Google Maps
OyugisSelected town-centre pin

These pins identify town centres, not exact office doorways. Contact our team for precise branch directions. Google Maps requires an internet connection.

View larger map Get directions

Oyugis Head Office

Visit our Oyugis Head Office for loan enquiries, applications, customer support and other services.

Contact this branch Get directions

Homa Bay Town

Our Homa Bay Town Branch serves customers within Homa Bay and surrounding areas.

Contact this branch Get directions

Sondu

Our Sondu Branch provides convenient access to SpaceWorld Credit services for customers in Sondu and surrounding areas.

Contact this branch Get directions

Kisii

Our Kisii Branch serves customers in Kisii and the surrounding region.

Contact this branch Get directions

Kadongo

Our Kadongo Branch provides convenient access to our credit services within the area.

Contact this branch Get directions

Rongo

Our Rongo Branch serves customers in Rongo and surrounding areas.

Contact this branch Get directions

Branch Business Hours

Monday – Friday: 7.30 AM – 5:00 PM · Saturday, Sunday & Public Holidays: Closed. Customers are welcome to visit their nearest SpaceWorld Credit branch for enquiries and guidance.

Ready to Talk to Us?

Reach our team by phone, WhatsApp or email — or walk into your nearest branch. We are here to help.

Contact Your Nearest Branch Apply Now

Home  /  Partners

Partners

Working Together for Stronger Communities

We value purposeful collaboration that expands opportunity and creates lasting community impact.

Our Sister Organisation

Purpose Beyond Lending

Our community-impact work is strengthened through a shared commitment to practical, sustainable change.

DEAL Foundation Missions International logo
Sister organisation

DEAL Foundation Missions International

DEAL Foundation Missions International implements the Widows Programme and the 2026 Food Security Programme described in our community-impact reporting.

A percentage of the interest generated from SpaceWorld loan products is directed towards supporting the Widows Programme. This means every loan taken, every business supported and every interest payment contributes towards this community impact.

Visit the Foundation ↗View Our Community Impact

Widows Programme

More than 300 widows participate in programmes supported through SpaceWorld's community-impact commitment.

Food Security Programme

Launched in 2026 to promote sustainable access to food for participating widows and their households.

Open to Collaboration

Individuals, organisations, partners, well-wishers and development agencies are welcome to help expand this impact.

Partner With Us

Interested in Creating Impact Together?

Speak with our team about responsible, purpose-led opportunities to support financial inclusion and community transformation.

Contact SpaceWorld

Home  /  Resources

Track Application

Track Your Application

Entered a loan, savings or job application — or sent us an enquiry? Enter the reference number we gave you to see where it stands right now.

Your reference looks like SWC-LOAN-000123 and was shown when you submitted, and in your confirmation email. Statuses update as our team works — check back anytime.

Home  /  FAQs

FAQs

Frequently Asked Questions

Clear 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, Small Business Loans (SBL), Inua Biashara Loans, Group Loans, Asset Financing and School Fees Loans, subject to applicable terms and eligibility requirements.

Inua Biashara Loan is quick cash for small, medium and growing businesses. The pricing shown is 14% minimum interest for the first 2 weeks, then 1% per day for the next 14 days. The earlier you pay, the less you pay. For product enquiries, call 0700431882, view the product or apply online. Applications are subject to assessment and applicable terms.

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.

Still Have Questions?

Our team is ready to assist you — by phone, WhatsApp, email or in person at any of our six branches.

Talk to Us Start Your Application

Home  /  Contact

Contact Us

We Are Here to Help

Applying for a loan, saving for a goal, finding a branch or exploring a partnership — our team is ready to help you.

Head Office

The SpaceWorld Credit
Oyugis, Kenya

See all six branch towns →

Phone

+254 715 465 620
Call us during business hours

WhatsApp

+254 715 465 620
Message us any time

Email


We reply as soon as we can

Business Hours

Monday – Friday: 7.30 AM – 5:00 PM
Saturday, Sunday & Public Holidays: Closed

Follow Us

Facebook · X · TikTok
@spaceworld_ke

Email a Department Directly

  • General Enquiries
  • Director’s Office
  • Branch Manager
  • HR & Recruitment
Real People, Ready to Help

Prefer to Talk It Through?

Call or message us about an application, a savings product, directions to your nearest branch or any other question.

Call +254 715 465 620 WhatsApp Us

Tell Us How We Can Help

Fill in the form below and the right team member will get back to you.

Please enter your name.
Please enter a reachable phone number.
Please enter a valid email address so we can reply.
Please add a subject.
Please write your message.

Message Sent!

Thank you for reaching out. Our team will respond to you as soon as possible through your preferred contact details.

Reference: MSG-2026-0000

Home  /  Resources  /  Downloads

Resources · Downloads

Downloadable Application Forms

Every SpaceWorld form as a branded PDF — print it, fill it by hand and bring it to any branch, or complete the form online and send it to us by email in one click.

Get the SpaceWorld App

Install SpaceWorld on your desktop or Android phone in one tap — applications, forms and branch info live in an app icon on your device, and the app keeps working offline.

Install app — desktop & Android (recommended)
Android APK — classic installDownload APK

Tip: the installed app is this website in its own window — no browser tabs, everything stays in sync. The APK installs like any Android app on Android 5.0+; allow “install unknown apps” when your phone asks.

Official Company Brochure

The complete SpaceWorld guide in one interactive PDF — every loan & savings product, guarantor rules, branches & opening hours, contact channels, CSR with DEAL Foundation, digital services, careers and FAQs — with a clickable table of contents and bookmarks.

Interactive brochure — 2026 edition · ~0.8 MBDownload BrochureView online →

Tip: open it in any PDF reader — the contents page, the section cross-links and every website button inside are clickable.

Loan Application Forms

One blank PDF per loan product — each form carries exactly the fields that product needs.

Personal LoanFill online →
Small Business Loan (SBL)Fill online →
Inua Biashara LoanFill online →
Group LoanFill online →
School Fees LoanFill online →
Asset Financing (Laptops)Fill online →
Other Loan PurposesFill online →

Savings Account Forms

Open a savings account on paper — or fill the same forms online and send them by email.

Jitegemee SavingsFill online →
Elemisha Education SavingsFill online →

Career Application Form

For hand completion — or apply online and email the form straight to our HR team with your CV attached.

Careers / CV submissionOpen Careers page →

Tip: filled copies are generated automatically from each online form after validation — this page provides the blank versions. Completed forms can be sent to us by email from any form page, or dropped at any of our branches.

Home  /  Careers

Careers

Build a Career That Changes Lives

Bring your skills to a Kenyan team helping entrepreneurs, families and community groups move forward through practical financial solutions.

Why Work With Us

Do Work With Purpose

We value people who take responsibility, keep learning and serve every customer and colleague with professionalism.

Grow With Responsibility

Take ownership of your work, build practical experience and keep improving how you serve.

Make a Meaningful Impact

Help customers access practical financial solutions that support businesses, education and family goals.

Put People First

Bring respect, care and a solutions mindset to every customer and colleague interaction.

Open Opportunities

Find Your Place at The SpaceWorld Credit

Every vacancy published by our HR team appears here automatically. Select an advertised role to begin your application.

General Talent Pool

Stay Connected for Future Opportunities

There are currently no openings advertised. You can still share your profile for consideration when a suitable opportunity becomes available.

For career enquiries, contact our HR team at .

CreditBranch OperationsCustomer ServiceFinanceCollectionsBusiness Development
Financial-services professionals reviewing documents together in an office
People & Culture

Grow While Helping Customers Move Forward

Our work brings together responsible lending, attentive service and local understanding. We welcome people who are ready to learn, collaborate and contribute with integrity.

Professional service grounded in respect
Teamwork across branches and functions
A practical, solutions-focused mindset
How We Hire

A Clear, Respectful Recruitment Process

1

Apply

Complete the application form and attach your CV as a PDF.

2

Application Review

HR reviews your information against current or future staffing needs.

3

Conversation or Assessment

Shortlisted applicants may be invited to discuss the role and demonstrate relevant skills.

4

Decision and Next Steps

HR communicates the outcome and any required next steps directly.

Apply or Join Our Talent Pool

Fields marked * are required. Attach your CV as a PDF; HR will contact applicants selected for the next stage.

Your Details
Please enter your full name.
Please enter a reachable phone number.
Please enter a valid email address for your confirmation copy.
Please choose your county.
Please choose your sub-county.
Role Interest
Please choose a role.
Please tell us briefly why you fit the role.
Please attach your CV as a PDF file (max 3 MB).
Please accept the declaration to submit.
Submitting automatically downloads your completed application PDF and sends the same copy with a confirmation message to your email and our HR team.

SpaceWorld AI Assistant

Online — loans, savings & applications