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How it Works

With OYA, the process is simple

You Apply

You, a small/micro business owner, apply for a loan using the OYA app (launching soon), or by calling the OYA call center.

We Assess

Your OYA representative dispatches your regional Relationship Development Officer (RDO) team to your physical store location to provide feedback, pictures, and a store review.

We Approve

The credit review team assesses your loan application and the RDO team’s store review, and approves.

You Get Paid

Your loans are disbursed via mobile money, and your loan repayments are also processed via mobile money.

We Stay in Touch

RDOs maintain consistent communication with you during and after the life of your loan to ensure that OYA provides all the resources necessary to keep your business growing

With OYA, you’ll avoid the usual financing challenges

Fast and convenient

Get your funding within 48 hours

No collateral required

Our relationship officers stay engaged with customers to ensure loan repayment

Competitive rates

We keep our interest rates flexible and affordable

Seamless and flexible repayment

Use our app (launching soon) and Mobile Money to get paid, and to pay us back

Build your financial track record

Through our proprietary credit scoring system, we serve as a credible reference for your creditworthiness