Check Your Credit Score Before Applying For A Loan

TransUnion Nipashe gives you accurate, up-to-date information about your credit status in real-time; it’s quick and easy-to-use.

Text Your Name To 21272 To Check Your Credit Status

How Does TransUnion Nipashe Work?

Step 1

Start by texting your name to 21272 or 21CRB.

TransUnion Nipashe Step1

Step 2

Register by paying KES50, a once-off payment, to paybill 212121.

Your ID number is the account number

Why do you need my ID number?

Why do I need to pay KES50?

TransUnion Nipashe Step2

Step 3

You can then request your credit status and we’ll send it to you instantly.

We will let you know if it is good or default.

What does Good & Default mean?

TransUnion Nipashe Step3


You can also request a credit report or a clearance certificate

What is a Credit Report?

What is a Clearance Certificate?

TransUnion Nipashe Step4

Why Do I Need to Check My Credit Status?

In order to increase the chances of being approved for a loan it is recommended that you check your credit status before and get your financial affairs in order.

Learn More

How Does Credit Work?

Every time you apply for a loan, lenders check your credit profile to see if you have a good credit history.
TransUnion Nipashe

If you pay your loans back on time this affects your credit profile positively.

TransUnion Nipashe

If you pay late or miss payments this affects your credit profile negatively.

How Can TransUnion Nipashe Help You?

TransUnion Nipashe also offers the following to help you get your finances in order:


Credit Report

A credit report will tell you why your credit status is in default or good standing.

Learn More

Clearance Certificate

Once you've settled your debts, the clearance certificate proves that your credit status is good and that all your debts have in fact been settled.

Learn More

SMS Alerts

TransUnion Nipashe will send you an instant SMS alert when there is activity on your credit profile.

Learn More

Want To Learn More?

  • Fill in the form below and we'll send you more information about how to manage your credit.
  • This field is for validation purposes and should be left unchanged.