AI-powered credit tailored to your needs
Access intelligent, fast, and affordable credit designed to empower your financial journey. Apenia's AI-driven credit engine delivers personalised solutions for individuals and SMEs, with seamless and efficient access to funding.
Credit built for every stage
From vehicles to smartphones to working capital, our AI engine finds the right fit.
Car Financing
Put down a deposit — typically about half the car's value — and Apenia tops up the balance, paying the dealer directly. The vehicle stays registered to Apenia until the loan is fully repaid, then ownership transfers to you.
- Balance paid straight to the dealer
- Deposit from about 50% of value
- Ownership transfers on full payment
- Repayment period up to 6 months
Log Book Loans
Unlock cash from a car you already own while you keep driving it. Ownership stays in your name, secured by a legal charge registered against the vehicle with the NTSA. Once you've repaid, the logbook is discharged and the charge is lifted.
- Keep using your vehicle
- Secured by an NTSA legal charge
- Logbook discharged on repayment
- Tenure of up to 6 months
Salary Advance
Access a portion of your pay before payday. Real-time, AI-driven eligibility checks and instant disbursement give you salary-linked credit with no paperwork.
- Real-time eligibility
- Instant disbursement
- No paperwork
- Salary-linked
Apenia Sokoni
AI-tailored microloans for traders and SMEs — flexible working capital sized to your business using dynamic cash-flow insights.
- SME focused
- Working capital
- Cash-flow analysis
- Trader-friendly
Simu Yako Ni Asset
Secure a microloan with your smartphone as collateral through Apenia's Device-as-Asset technology, backed by intelligent device-control mechanisms.
- Phone as collateral
- Smart device control
- No guarantors
- Instant approval
How our AI credit engine works
Experience the future of lending with our intelligent credit assessment system.
AI assessment
Our AI analyses your financial profile in real time, considering multiple data points for accurate credit scoring.
Instant decision
Get approval decisions within minutes, not days. Our AI processes applications 24/7 for maximum convenience.
Personalised terms
Receive customised loan terms based on your unique financial situation and repayment capacity.
Smart disbursement
Funds are disbursed instantly to your mobile wallet or bank account upon approval.
Ready to transform your financial flexibility?
Apply now and experience the power of AI-driven credit solutions.