Give your team instant access to verified credit data for every borrower. Reduce loan defaults, speed up approvals, and make decisions with confidence.
Who It's For
Whether you process 10 or 10,000 loan applications a month, Readiwork fits your workflow.
Automate KYC and credit decisioning at scale directly inside your loan origination workflow.
Run member credit checks before approving loans. Reduce defaults with data-driven decisions.
Embed instant credit checks into your platform and make real-time loan decisions at any hour.
Verify identity and check default history for every new borrower before disbursement.
What You Get
A complete set of credit data tools, ready to use immediately, no technical setup required.
Confirm a borrower's full name, ID number, and date of birth against Kenya's national registry in real time. Eliminate fraud at the point of application.
Instantly find out if a borrower has been listed for unpaid loans. See the outstanding amount and which institution listed them, before you disburse.
Get a borrower's AI powered credit score on a 200 to 900 scale, with their risk tier and a 12 month repayment trend, all sourced from Kenya CRB.
Combine identity verification and blacklist check into a single request. Get a clear Eligible or Not Eligible answer for every applicant, instantly.
Access a borrower's complete credit history, all loan accounts, guarantor records, sector performance, and outstanding obligations, in one detailed report.
All services are available via REST API with JSON responses. Plug directly into your existing loan management system or mobile app with a single key.
Getting Started
From sign up to your first live credit check, in under a day.
Sign up in under two minutes. No setup fee, no contract required. You get your API key immediately after registration.
Add credits via M-Pesa, bank transfer, or card. Your credits never expire. Each check deducts the listed price automatically.
Use our sandbox environment with test ID numbers to validate your integration. No charges apply in sandbox mode.
Switch to production and start running real checks instantly. Our team is available if you need support at launch.
Business Pricing
No monthly fees. No contracts. Pay only for the checks you run. Volume discounts applied automatically.
Best for SACCOs, chamas, and businesses running fewer than 500 checks per month.
Ideal for digital lenders, microfinance institutions, and fintechs with growing volumes.
For banks and large institutions running thousands of checks per day with SLA requirements.
All prices exclude 16% VAT. View full pricing table
Common Questions
No. Any team member can run checks directly from the Readiwork dashboard, no coding needed. For businesses that want to automate checks inside their own system, we provide a simple REST API with clear documentation.
None at all. You top up your wallet and pay only for the checks you run. Credits never expire, and there is no subscription or retainer. You can start with as little as KSh 500.
Yes. Kenyan data law requires that you obtain explicit written or digital consent from the individual before running a credit check on them. You must record and store this consent reference, which is submitted with each request for audit purposes.
Any check that cannot be covered by your remaining balance is declined and not processed, no partial charges. You can enable auto top-up in the dashboard to avoid interruptions during busy periods.
All data is encrypted in transit (TLS 1.3) and at rest. We operate under Kenya's Data Protection Act 2019 and do not sell or share individual borrower data with any third party. See our Privacy Policy for full details.
