An Easy Way to Make Money: Refer and Earn

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A demand for credit/loans is on the rise as people are faced with hard economic times. Ngao Credit offers you an opportunity to earn extra cash through its Refer and Earn campaign.

The pandemic and the subsequent economic crisis have pushed Kenyans to the brink as they look for alternative sources of finance. According to KNBS (Kenya National Bureau of Statistics), over 14.4 million Kenyans are turning to loans as a means of survival.

As Kenyans are looking for ways to earn some extra cash and make ends meet, Ngao Credit Limited is helping their customers make some extra cash by simply dialing *725# and referring a friend to access financial solutions.

What is in store for you?

There are benefits for both the referee and the loan applicant. The referee has the opportunity to earn instant cash by simply mentioning Ngao Credit to their peers. The applicant gets access to convenient financial services and cash back on their loan application.

Don’t be left out of this golden opportunity to earn some quick and easy cash while helping a friend or a colleague access the most trusted loan provider, Ngao Credit, offering financial solutions to the underserved since 2012. You can refer a friend to any of our product; Logbook loan, Asset finance, Import finance or a Jijenge loan.

How To Earn

Our refer and earn campaign is open to everyone. Both existing customers and new customers can be part of this amazing offer, to earn some extra cash. This is how you do it:

a) Refer a friend/colleague to Ngao Credit Limited for a quick logbook loan or car finance.
b) They apply for a logbook loan or asset finance.
c) The loan gets approved once everything checks out.
d) Referee gets instant cash in their wallet of choice (mobile or bank account)
e) Loan applicant also gets a cashback

It is so easy to get some cash; Here are the steps:

Step 1: Dial *725

Step 2: From the Pop-up Choose option 3 (Refer friend/client)

Step 3: Enter your name (referee)

Step 4: Enter the name and phone number of the referral (your friend in need of a secure loan)

That it you are almost done! Just a simple process of verifying the referral qualifies for a loan and once approved, you are on your way to getting some extra cash. How easy was that?!

How much?

When the referred customer successfully applies for a loan, you will both earn a portion of the fixed commission, which is 4% of the total loan amount.

As a loan applicant you will get cashback in addition to the approved loan amount, while your referee also gets a share of the funds.

The 4% commission is divided in a ratio of 3:1, (Referee 3, Loan Applicant 1) and there is no limit on how much you can earn. It all depends on the loan amount processed. You can apply for loans of up to KES 5 million.


For instance, if you refer a friend, and he/she applies for a logbook loan of KES 1,000,000.
There is a commission of 4% on all loans brought in by referees.
4% of KES 1,000,000 = KES 40,000
The commission is split among the referee and the applicant in a ratio of 3:1

Referee earns KES: 30,000

Applicant: Earns KES 10,000 on top of the KES 1 million logbook loan.

Always looking out for our customers’ well-being

At Ngao Credit we always strive to be the best and offer the best. We put you the customer at the center of every decision. Our solutions keep you and your business afloat as we all strive to find our footing in these hard economic times.

Ngao Credit Bank for the Underserved!

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