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What is Julla?

Julla provides digital point of sale financing, that allows you to buy your favorite items now, and pay when you are ready- taking as long as a year if you desire.

What is required to purchase with Julla?

Just your national ID number. No endless stacks of paperwork, forms and no fuss.

How long do I have to pay off my loan?

You can pay off your loan in three, six or twelve months.

How long does it take to process a loan?

3 minutes

Are there any down payments needed before I can purchase with Julla?

No down payment is needed. If approved, Julla pays the entire amount of the requested loan upfront to the merchant.

What are the Interest and Fees?

We charge a flat 4% monthly interest rate. At the checkout, you’re shown the total amount of interest you’ll pay, and you will not be charged more than that*. (Unless you take longer than the agreed period of time to pay off your loan)

We charge no service fees, prepayment fees, or any hidden fees.

How do I sign up for Julla?

You can sign up at a partner store or in our app.

To sign up on a partner store
  1. You select Julla as the payment method on the partner website’s
  2. You will be redirected to the Julla app where you enter your mobile number/li>
  3. You fill in few personal details including National ID number
  4. See your loan limit
  5. Check out
To sign up on the app
  1. Download the free Julla App from the Google Play Store (Android)
  2. Enter your phone number
  3. Fill in few personal details including National ID number
  4. Your Julla account is ready

What features does the Julla App have?

The App allows you to manage your Julla account, make loan re-payments, explore deals and directly access partner stores.

How old do I have to be to use Julla?

To create a Julla account, you have to be at least 18 years old.

Why wasn’t my loan approved?

Please accept our sincerest apologies, we strive to provide the best service to all our clients. Unfortunately, it may mean you need to improve your credit score, if this is not you, kindly call our customer service. If this is you, we believe in second chances. Please try again after two months.

Julla couldn’t verify my identity

Don’t worry, just fill out this form, and we’ll get back to you within 24 hours

Where is Julla available?

Julla Is available throughout Kenya. We’re working on expanding to other African countries

Data Security

Your personal information is safe with Julla. We do not divulge customers’ information to third parties and our site guarantees high level security of personal information submitted to us.