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Welcome to SC Juza mobile loan app. Borrow from Kes 1,000 instantly. Download today.

Weza Na SC Juza

SC Juza mobile loan app is the solution you’ve been waiting for. Borrow from Kes 1,000 and pay interest for only the days you have the loan. Download today.

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How it works

Download the app

Enjoy financial freedom by downloading the SC Juza app from Google Playstore.


Fast and easy registration process

Create your PIN

Create your own personalized PIN, keep this number safe so that you can login securely to the SC Juza App.

Apply for a loan

Enter how much money you need. Enjoy fair and transparent costs with a longer tenor of 61 days!


Simple repayment process. Repay on time to build a positive credit history.

SC Juza Loan Features

SC Juza Loan features
Interest rate 1.60% pm
Processing fee 5.50%
Maximum loan period 61 days
An additional service fee of 5.5% is payable in the second month for loans that have not been repaid within the first 30 days.

SC Juza overview

SC Juza product overview and flow.


  • SC JUZA is a Mobile App that allows Kenyan citizens residing in Kenya to access loans of up to Ksh.100,000 in a fast and convenient manner at any time and from anywhere in Kenya. We offer a simple registration and loan application process with loans for successful applicants being disbursed into their MPESA mobile money wallets within minutes.

  • Please refer to our terms and conditions as well as our privacy policy statement.

  • At Standard Chartered Bank Head Office, Off Westlands Road, Nairobi, Kenya. However, all SC Juza clients will be supported via a 24/7 chat service.

  • To register you on SC JUZA, we require your personal details and Safaricom mobile number. Currently the app only supports Safaricom subscribers registered for the MPESA service. During registration you will be required to provide your country of residence, employment status and respond to 3 security questions of your choice.

  • At the moment, this service is only available to Kenyan citizens and who are resident in Kenya.

  • No, you can only register one mobile number with your Kenyan National ID at a time.

  • SC JUZA requires your employment status to adequately understand your financial needs.

  • Security questions help clients to self-reset the log in PIN in the event they forget. Additionally, the 3 security questions give clients option to respond to the question they can easily recall the answer in case they forget the answer to any of the other 2 questions.

  • No, you’ll only respond to one security question for which you can recall the answer.

  • To qualify for a loan, you need to be a registered Safaricom customer with an active M-PESA service for more than 6 months and must be aged between 21 and 60 years.

    • Download and install SC Juza mobile App from Google play store. Upon installation, start the registration process by providing all the required information. If registration is successful, log into the app to view the approved loan limit
    • Enter the loan amount you would like to borrow and confirm. You will then view a breakdown of the confirmed loan amount i.e., processing fee, excise duty fee, service fee, interest rateamount due for repayment on day 61.
    • Read and accept the terms and conditions.
    • Click on Apply Loan.
    • Your loan application will be evaluated in real time and once approved, you will receive money on your M-PESA mobile wallet.
  • The process is simple and takes only a few minutes if you provide all the required information.

  • SC JUZA relies on a number of data points to determine your loan eligibility; some of these data points include availability of Credit Reference Bureau (CRB) data, performance of other bureau loans, among others.

    • A negative listing on the Credit Reference Bureau for outstanding loans.
    • Failure to provide the required information.
    • Having an existing SC JUZA loan.
    • Any other reason at the discretion of the Bank.
  • SC JUZA uses personal data to make lending decisions. We understand that this information is sensitive and that is why we protect your data. For further information, please refer to our data privacy policy.

  • SC JUZA uses advanced data security and encryption models to ensure that your data is protected. We will not disclose your personal data to third parties unless it is for dedicated business purposes as per the privacy policy, such as reporting defaulted loans to authorised credit reference bureaus.

  • On the menu;

    • Go to Change PIN
    • Enter your current PIN
    • Enter your new PIN
    • Confirm the PIN
  • On the log in screen;

    • Select forgot PIN
    • Answer one security question
    • Reset your PIN and verify
    • Log into the app using your new PIN
  • The security questions are required to self-reset your log in PIN.

    • Log into SC Juza App.
    • Select Make Payment at the bottom of the home screen.
    • Select Full Payment
    • The amount due will be displayed automatically.
    • Select Pay. This will redirect you to your M-PESA STK Push to input your M-PESA secret PIN to complete the payment.
  • This is the MPESA popup on your cell phone requesting you to input your MPESA secret PIN in order to complete payment from your MPESA wallet to SC Juza.

    • Log into SC Juza App.
    • Select Make Payment at the bottom of the home screen.
    • Select Partial Payment and enter the amount you would like to pay.
    • Select Pay. This will redirect you to your M-PESA STK Push to input your M-PESA secret PIN in order to complete the payment.
    • On the SC Juza mobile app, go to the home page, your loan balance will be displayed.
  • The payment transaction will be processed on a real-time basis. You will receive an SMS notification on the M-PESA transaction and another SC Juza SMS notification to confirm the payment.

  • No, you can only make a loan payment for your account.

  • Early loan repayment is accepted, you will be charged interest only for the days the loan was outstanding.

  • The normal M-PESA charges apply.

Terms & Conditions

  • The top security tips
    • Always use the Android Google Play Store or Apple App Store to download the SC Juza application.
    • Always use a mobile device that you trust.
    • Be wary that a “jailbroken” device will weaken the security of your mobile device. Never use a jailbroken device for SC Juza app.
    • Keep your mobile number used for SC Juza registration safe. Don’t share your personal details like ID (National Identification) number with anyone.
    • Standard Chartered Bank will never ask for your SC Juza OTP (One-Time PIN), Secret Login PIN, Security Question Answers or Loan Application Details. Do not share with anyone on call or SMS under any circumstance whatsoever.
    • Always log out and never leave the SC Juza application running in the background.
    • Contact Standard Chartered Bank immediately via the Chatbot on your SC Juza mobile application in case of suspicious activity.
    • Do not store your PIN or Security Question Answers in written accessible text on your mobile device or any other place.
    • Don’t leave your mobile device unattended while you have your SC Juza application open.
    • Ensure that your mobile device is updated with the latest version of the operating system at all times
    • Install antivirus software on your mobile device and scan your device regularly.
    • Enable the lock screen on your phone to secure access.
    • If your mobile device is stolen, remember to unlink the SC Juza application from your device
    • Be careful when using public wi-fi or hotspots to do your transactions on the SC Juza application.