Save as you spend.
Grow as you live.

Nebo turns everyday spending into effortless savings, high-return investments, and real credit rehabilitation.

Download Nebo — It's Free

What You Can Do with Nebo

Jaza kibaba chako ✨

Credit Rehabilitation • P2P Loans • Investments • Financial Literacy • Fair Credit • Remittances • Smart Savings

Kenya’s Financial Reality

!

Heavy Debt Burden

68%

Public debt-to-GDP ratio (2025)

📛

Credit Blacklist

8+ million

Kenyans on CRB

💰

Low Savings Rate

13%

Gross domestic savings rate

How Nebo Fixes It

Painless Round-Ups

Every purchase is rounded up automatically and saved for you.

Smart Investing

Earn 18-24%* through P2P lending and Money Market Funds.

Credit Rehabilitation

Build a stronger CRB score through consistent saving & lending.

Credit Rehabilitation in Action

From Non-Performing Loan (NPL) to positive credit — real results.

⚠️
Before Nebo

John owes KSh 120,000 on HELB
Listed as NPL on CRB → denied loans everywhere.

Negative score • No new loans
🔄
With Nebo

Daily round-ups + small repayments
Loans moves from defaulted→ Active / Paying → Performing → Closed / Settled

Real-time updates • Responsible lending
✅
After Nebo

John clears debt faster + builds positive history
Now qualifies for car loans & mortgages from banks & SACCOs.

Strong credit • Better rates

Remittances in Action

Fast, low-cost money transfers that also build your savings and credit.

💸
Before Nebo

Sarah sends KSh 15,000 home
High fees, slow processing, no savings benefit.

Expensive • No extra value
📤
With Nebo

Instant transfer + automatic round-up
Low fees + the extra KSh 200 is saved or invested automatically.

Fast • Secure • Builds savings
🏠
After Nebo

Family receives money instantly
Sarah builds savings & credit while supporting loved ones.

Money arrives fast • Extra savings created

Safe P2P Lending

Your money is lent only to verified, high-quality borrowers.

🎲
The Old Way

Lending everything to one borrower
High risk — if they default, you lose your principal.

Single point of failure
🔀
With Nebo

Your money is spread across 50+ verified borrowers
Businessmen with high revenues and individuals with strong, verified credit histories. Even if one faces issues, the rest continue paying.

Diversified • Principal protected
🛡️
Your Result

Steady 18-24%* returns with low risk
Principal stays safe while you earn reliable income from home.

Diversified portfolio • Peace of mind

Lend to Friends & Family – Without Losing Them

Turn informal “help” into proper, respectful lending that protects relationships.

😟
The Old Way

You lend KSh 50,000 to a friend
No clear terms → late payments → awkward silence → lost friendship.

Strained relationship • Money & friendship lost
📲
With Nebo

Smart process handled for you
Clear digital contract • automatic reminders • notifications before any money moves • enforceable agreement in small claims court if needed.

Professional • Transparent • Respectful
🤝
After Nebo

Both sides stay happy
Friend repays on time • you earn interest • relationship stays strong.

Money back on time • Friendship preserved

Round-Ups in Action

KSh 195

Matatu or coffee

↓
KSh 200

You save KSh 5

KSh 9,800

Groceries

↓
KSh 10,000

You save KSh 200

KSh 45,000

Rent / School fees

↓
KSh 50,500

You save KSh 5,500

Ready to take control?

Start saving effortlessly, sending money smarter, and lending safely today.

Get Nebo Now — Free