Restructure simulator

Preview a new tenor and APR. Submit to send the request to your loan officer.

Eligibility explainer

Restructure is usually available after a verified hardship, missed payment risk, or affordability change.
The new instalment must still fit the affordability guardrail.
Officer approval is required before the repayment schedule changes.
The borrower sees total repayable and total interest before submitting the request.

Outstanding principal (KES)

Proposed APR (18.0%)

Tenor: 24 months

Proposed monthly

3,994 KES/mo

Baseline: KES 3,994/mo · +KES 0 change

Total to repay

KES 95,854

Total interest

KES 15,854

Cancel

Demo submission is routed to officer review and does not alter repayment terms automatically.

Restructure scenario planner

Compare current schedule, proposed instalment, tenor, DSR, and total repayable before submitting.

Proposed monthly repaymentProposed remaining monthsVerified monthly incomeOther monthly obligations

Current: KES 3,993.928 x 24 months = KES 95,854

Proposed: KES 2,876 x 30 months = KES 86,280

Current DSR 999.0% | proposed DSR 999.0% | estimated interest after restructure KES 6,280

Lower instalments can increase total interest when the tenor is extended.
Hardship evidence must match the reason selected before officer review.
Borrowers should compare current schedule, proposed schedule, total repayable, and DSR.
Approval is not automatic; the request becomes an officer-reviewed servicing packet.

I understand lower monthly repayments can increase total interest.

Verified income must exceed other obligations.
Proposed repayment exceeds the 45% affordability guardrail.
Borrower must accept total repayable disclosure before request.

Request readiness

Officer approval is required. This packet explains hardship, affordability, and consent.

Hardship reasonVerified monthly income (KES)Other monthly obligations (KES)Hardship proofBorrower noteShare hardship and affordability evidence with my loan officer

Affordability check

Proposed monthly KES 3,994 | DSR 999.0% | total interest KES 15,854

Monthly income is required.
Proposed repayment must stay within the 45% demo affordability guardrail.
Add proof of hardship or affordability change.
Consent is required before sharing restructure evidence with an officer.

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