DigiFin lets you split everyday retail purchases into clear instalments - no interest, one transparent fee, repaid over your pay cycle via M-Pesa or EcoCash.
DigiFin is the neutral technology layer between shoppers, retailers, and credit institutions - turning missed sales into completed, repayable transactions.
A dignified, formal alternative to informal borrowing - at the moment of purchase.
Convert abandoned carts into sales and grow basket sizes - with zero credit risk.
A high-frequency, short-cycle lending channel tied directly to retail commerce.
From pre-approval to purchase to repayment - a single digital flow at the point of sale.
Register with your National ID and income. A one-time credit check sets a spending limit that stays with you.
At a partner merchant, pick Pay in 2 or Pay in 4. See your instalments and fee before you commit.
Review and e-sign the loan agreement, confirm your photo at the till. Identity checked against your record.
On authorisation, funds settle straight to the merchant - instantly. You walk out with your purchase.
Instalments are collected automatically on the agreed dates via M-Pesa, EcoCash, or bank debit.
On-time repayment improves your standing and can grow your available limit over time.
No interest - a single clear fee per purchase. Merchants pay a service fee; revenue is shared with the funding institution. Illustrative, at a 5% merchant fee and 4% shopper fee.
| Purchase | Merchant fee (5%) | Shopper fee (4%) | You repay | Settled to merchant |
|---|---|---|---|---|
| M 300 | M 15 | M 12 | M 312 | M 285 |
| M 500 | M 25 | M 20 | M 520 | M 475 |
| M 1,000 | M 50 | M 40 | M 1,040 | M 950 |
Real-time decisioning, transaction-bound credit, and a full audit trail - aligned to Lesotho’s credit and data-protection rules.
Create your account, check your limit, and shop at any DigiFin partner. Merchants and lenders - let’s talk about going live.