Pricing that scales with
your portfolio
No per-seat charges. Pay a base fee plus per active loan. Unlimited users on every plan. Built for African lenders.
Starter
Everything you need to start lending
+ $0.40/active loan
$199 one-time onboarding
- 1 loan product
- Loan origination & servicing
- Amortization engine
- Repayment tracking
- Borrower KYC & income verification
- Basic portfolio reporting
- Comprehensive audit log
- Unlimited users
Email support (48hr)
Growth
For scaling lenders who need automation
+ $0.30/active loan
$399 one-time onboarding
Everything in Starter, plus:
- Unlimited loan products
- 7-stage collections engine
- Full GL double-entry accounting
- Borrower self-service portal
- Payment reconciliation (daily)
- Mobile money integration
- Cohort analytics & officer scorecards
- REST API access
Priority email (24hr)
Scale
Full platform for high-volume lending
+ $0.20/active loan
$799 one-time onboarding
Everything in Growth, plus:
- Credit scoring & ML risk predictions
- Auto-lending engine
- White-label portals
- Supplier portal
- Webhooks & event streaming
- AI document extraction
- Write-off & provisioning engine
Priority + Slack (12hr)
Enterprise
Custom-built for banks and institutions
Custom
Tailored to your scale
Everything in Scale, plus:
- SSO integration
- Custom SLA & uptime guarantee
- Compliance reports
- Custom integrations
- On-call engineering support
- Local currency billing
On-call with SLA
Simple, transparent pricing
No hidden fees. No per-seat charges. Just pay for what you use.
Unlimited users
$0 per seat. Invite your entire team — officers, accountants, managers.
Per active loan pricing
Only pay for disbursed loans. Drafts, applications, and closed loans are free.
14-day free trial
Full access to any tier. No credit card required. No auto-charge.
Estimate your monthly cost
See what each tier costs based on your portfolio size.
Starter
$289
/month
$89 base + 500 loans × $0.40
Growth
$349
/month
$199 base + 500 loans × $0.30
Scale
$799
/month
$699 base + 500 loans × $0.20
Compare plans
See which features are included in each tier.
| Features | Starter | Growth | Scale | Enterprise |
|---|---|---|---|---|
Add-ons
Extend CreditOS with integrations tailored for African markets.
Data Residency
Store PII and financial records in Kenya, Uganda, Nigeria, or any jurisdiction.
SMS & USSD Gateway
Borrower notifications, OTPs, collection notices, and USSD self-service.
Mobile Money
M-Pesa, Airtel Money, MTN MoMo disbursement and collection.
AI Document Extraction
Automated OCR for borrower applications and KYC documents via Claude API.
Curra Payroll
Salary deduction loans, employer sync, and deduction reconciliation.
Frequently asked questions
Everything you need to know about pricing and billing.
Any disbursed loan not yet fully repaid, written off, or archived. Drafts and pending applications are excluded from billing.
Upgrades are available anytime and prorated to your billing cycle. Downgrades take effect at the end of the current billing cycle with no penalties.
USD by default. Local currency billing is available for Enterprise customers on annual contracts.
14 days on any tier with full feature access. No credit card required. No auto-charge after trial ends.
Available via support request at any time. Full portfolio export is delivered within 5 business days.
Choose a plan to continue. There is no auto-charge. Your data is preserved for 30 days so you have time to decide.
No. Per-loan billing starts from loan one. There are no minimum thresholds or volume commitments on Starter or Growth.
A one-time onboarding fee covers guided setup, data migration support, and training. It is waived on annual contracts.
Ready to modernize your lending?
Join leading African lenders using CreditOS to originate, service, and grow their portfolios.