Letshego has grown into one of Africa’s most trusted and widely accessible financial service providers, offering inclusive banking solutions designed for individuals, salaried workers, and small businesses.

Founded in Botswana in 1998, the institution has expanded across more than 11 African countries—including Kenya—building a strong reputation for providing quick, flexible, and unsecured financial support.

In a region where access to credit remains a challenge for many, Letshego positions itself as a bridge between traditional banking and everyday financial needs.

Whether you are looking to secure a loan for emergencies, grow your business, or start a disciplined savings plan, this guide breaks down everything you need to know—clearly and in detail.

Overview of Letshego

Letshego Group operates as a multinational microfinance institution focused on financial inclusion, particularly for underserved and middle-income populations.

Its services are tailored to meet real-life financial challenges faced by Africans—from medical emergencies to business expansion.

With a workforce of over 3,000 employees drawn from more than 20 nationalities, Letshego has built a diverse and experienced team capable of delivering localised financial solutions in each country it operates in.

In markets like Nigeria, the company strengthened its presence by acquiring FBN Microfinance Bank, demonstrating its strategy of scaling through both organic growth and acquisitions.

Financial Strength

Letshego’s financial performance reinforces its credibility:

• Over KES 9.7 billion (approx.) profit before tax
• Consistent 11% annual growth in net assets

This level of growth signals stability and long-term sustainability—key factors when choosing a financial partner.

Letshego Savings Products

Letshego offers savings solutions that are designed to be accessible, flexible, and goal-oriented, making them suitable for both low-income earners and high-value savers.

Let’s Go Basic Savings Account

The Let’s Go Basic Savings Account is a flagship product built around simplicity and inclusivity.

Key Features:

• Minimum deposit: KES 100
• Maximum deposit: KES 2,000,000+
• Interest rate: 2% – 3% annually
• Savings period: 1 month to 120 months

Why This Matters:

This account is ideal for individuals who want to start small and grow gradually. Whether you’re saving for school fees, business capital, or emergencies, the flexible tenure allows you to align your savings with your financial timeline.

Unlike many traditional banks that require high opening balances, Letshego lowers the barrier, making saving achievable even for informal sector earners.

Letshego Loan Products

Letshego’s loan portfolio is one of its strongest offerings. Each loan product is tailored to solve specific financial needs, ensuring that borrowers are not forced into one-size-fits-all solutions.

Letshego Health Loan

Healthcare costs can be unpredictable and expensive. This loan ensures you don’t delay treatment due to a lack of funds.

• Loan range: KES 10,000 – KES 4,000,000
• Interest rate: ~4.6% per month
• Repayment period: 3 – 36 months
• Extra fees: None

Why It’s Important:

Medical emergencies often require immediate funding. This loan provides fast access without collateral, allowing you to focus on recovery instead of finances.

Letshego Housing Loan

Designed to support home ownership and property development.

• Loan range: KES 10,000 – KES 3,000,000
• Interest rate: ~4.3% per month
• Repayment period: 3 – 36 months

Practical Use:

• Buying land or a house
• Building or renovating property

While the loan amounts may not fully finance large urban properties, they are highly useful for incremental building—a common approach in Kenya.

Letshego Education Loan

Education is one of the most valuable investments, and this loan ensures financial limitations do not block access to learning.

• Loan range: KES 10,000 – KES 2,000,000
• Interest rate: ~4.5% per month
• Repayment period: 4 – 36 months

Ideal For:

• School fees
• University tuition
• Professional certifications

This loan is especially useful for parents and working individuals seeking to upgrade their skills.

Letshego Individual Loan

This is the most flexible loan option, designed for everyday financial needs.

• Loan range: KES 10,000 – KES 2,000,000
• Interest rate: ~6.5% per month
• Repayment period: 3 – 18 months

Use Cases:

• Emergency expenses
• Debt consolidation
• Personal projects

Because of its higher interest rate, this loan is best suited for short-term needs rather than long-term borrowing.

Letshego SME Loan

A powerful financial tool for entrepreneurs and small businesses.

• Loan range: KES 5,000 – KES 4,000,000
• Interest rate: ~5.0% per month
• Repayment period: 3 – 36 months

Business Impact:

This loan helps SMEs:

• Expand operations
• Purchase equipment
• Manage cash flow

For Kenyan entrepreneurs, this can be a crucial stepping stone toward scaling a business.

Step-by-Step: How to Apply Letshego Loan

Applying for Letshego services is designed to be quick and user-friendly, even for first-time borrowers.

1. Select Letshego on a financial platform (e.g., nairaCompare or local equivalents)
2. Carefully review product details and terms
3. Choose your preferred loan or savings product
4. Click Apply or Open Account
5. Fill in your personal and financial details
6. Upload required documents (ID, income proof, etc.)
7. Submit your application
8. Wait for approval confirmation via email or SMS

Processing Speed:

In many cases, approval can happen within 24 hours, making Letshego one of the faster lenders in the market.

Loan Repayment Process

Letshego emphasizes structured and predictable repayment systems to help borrowers stay financially disciplined.

How It Works:

• Monthly deductions are automatically made from your bank account
• If automatic deduction fails, you must make a manual deposit
• Repayment duration can go up to 36 months, depending on your loan

This system reduces the risk of missed payments while promoting accountability.

Customer Care & Support

If you’re a customer of Letshego Holdings Limited or looking to get in touch with their team, having the correct contact information is essential.

Whether you need help with a loan, want to file a complaint, or are making a media inquiry, this comprehensive guide provides all the official Letshego contact channels in one place.

Letshego Customer Care Contacts

Are you a Letshego customer with a question or complaint?

Letshego provides a centralized customer support channel to ensure your concerns are addressed quickly and professionally.

Customer Enquiries & Complaints

• Email: customer.enquiries@letshego.com

This is the primary contact for:

• Loan inquiries
• Account issues
• Complaints and feedback
• General customer support

Tip: Always include your full name, ID number, and account details when emailing for faster assistance.

Letshego Head Office Contact Details

Letshego’s headquarters is located in Botswana, serving as the central hub for its pan-African operations.

Head Office Address

Tower C, Zambezi Towers
Plot 54352, Central Business District
Gaborone, Botswana

Contact Information

• Telephone: +267 364 3000
• Fax: +267 364 3312
• Email: GroupCorporateAffairs@letshego.com

Group Media Enquiries

For journalists, media houses, or corporate communication requests, Letshego has a dedicated contact person.

Media Contact Person

Name: Mokoro Ketsitlile
Department: Group Corporate Affairs, Marketing & Strategic Communications

• Mobile: +267 7533 8686 (Call/WhatsApp)
• Email: mokorok@letshego.com

Country-Specific Media Contacts

Letshego operates in multiple African countries. If your inquiry is country-specific, you can reach out directly to the respective representative below.

Benefits of Saving with Letshego

Letshego’s savings products offer several advantages that make them attractive in the Kenyan financial market.

Key Benefits:

Higher Interest Earnings
With rates of up to 5% annually, savers can grow their money faster than in many traditional accounts.

Low Entry Barrier
You can start saving with as little as KES 200, making it accessible to almost everyone.

Strong Security Systems
Advanced encryption and fraud protection ensure your funds remain safe.

Customer-Focused Experience
Letshego prioritises user support, ensuring customers receive guidance when needed.

Advantages of Letshego Loans

Letshego’s lending model is built around accessibility and speed.

Key Advantages:

Fast Disbursement
Funds can be released within 24 hours after approval.

No Collateral Required
You don’t need to risk assets like land or vehicles.

Flexible Repayment Terms
Choose repayment plans that match your income flow.

Inclusive Eligibility
Available to both salaried and self-employed individuals.

Custom Interest Rates
Rates vary depending on your financial profile, allowing some flexibility.

Pros and Cons

Pros

• Wide range of loan products
• Fast approval and disbursement
• No collateral required
• Flexible repayment options
• Accessible savings plans

Cons

• Monthly interest rates can be relatively high
• Customer support is not 24/7
• Loan limits may not suit large-scale investments

Is Letshego Worth It in Kenya?

Letshego is a legitimate, regulated, and well-established financial institution with a strong presence across Africa.

Best For:

• Quick emergency loans
• Small business financing
• First-time savers
• Salaried employees

Not Ideal For:

• Long-term, low-interest borrowing
• Large-scale property financing

Conclusion

Letshego stands out as a practical and accessible financial partner, especially for individuals and SMEs who may not qualify for traditional bank loans. Its strength lies in speed, flexibility, and inclusivity.

However, borrowers should carefully evaluate the monthly interest rates and ensure they fully understand repayment terms before committing.

Used wisely, Letshego can help you:

• Handle emergencies
• Build savings discipline
• Grow your business
• Improve your financial stability