Momentum WhatsApp Number

Ezua Chapaa

Access high cash limits on your mobile or Ezua Chapaa credit card to sort all your emergencies. Dial *674# today to get started or call us on 0709 434 000 to register for free.


Ezua Chapaa

Ezua Chapaa has partnered with Mastercard allowing you access cash when you need it via the Ezua Chapaa credit card or on mobile which you can withdraw and repay hassle-free. You unlock a higher limit upon good repayment.

Why choose us



We have a turnaround time promise of 24 hours on all our products and services.



We strive to always deliver on our promises.

Solution Oriented

Solution Oriented

We believe in structuring effective solutions to meet your needs.



There are no hidden charges in our fee structures.

Benefits of Ezua Chapaa

Only 20% deposit & flexible repayments of up to 11 months.

Conveniently access at your liberty and as the need arises with minimum paperwork

Market beating premium rates & Interest rates as low as 2% per month

Flexible minimum repayments and longer repayment period – Up to 3 years or even more depending on usage

Same day processing

TAT – The Turn Around Time of this service is electric with loans being able to be processed as fast as in a matter of minutes

No early settlement fees

Affordable Rates – USSD Credit Card is relatively cheaper and more affordable

No early settlement fees

No guarantors required; accessible using existing asset: Logbook

Basic Requirements

Individual Application

  • Original Logbook
  • Copy of ID
  • KRA Pin

Corporate Application

  • Original Logbook
  • Certificate of registration/Incorporation
  • KRA Pin


‘I was at work when I was alerted that my diabetic husband had been rushed to a Nairobi Hospital after a relapse. Upon stabilization, we were required to admit him for three days for special monitoring at a KES. 60,000 admission fee. I needed a fast loan! Thanks to Ezua Credit by Momentum Credit, I dialled *674# and the money was credited to my phone instantly. Asante Momentum!’
‘All my kids go to a boarding school. Back to school shopping is always a hassle for me, given the economy and high cost of living. Previously, I opted for instant loans from digital lenders but the high interest rates were a deal breaker. Through a friend, I discovered the Ezua Chapaa credit card and this changed my life! I drove to the nearest valuation centre, signed some forms and afterwards was issued with a credit limit of Kes 100,000. I now look forward to my kids going back to school because I swipe na tuko chonjo!’
‘I was having problems with my car’s suspension and was advised to replace both front mount shocks and my worn-out front tyres. This totalled to KES. 42,000, money I did not have then. I remembered I had the Ezua Credit Card with a cash limit of KES. 70,000. Within 6 hours, I had a new set of tyres and my car back on the road! The beauty about Ezua Chapaa is they accept both Comprehensive and Third-Party Insurance! Ezua Chapaa is my emergency fund!


1. Getting Started with USSD Credit Card

What is USSD Credit Card?

Similar to Safaricom’s/Mpesa’s “Fuliza”, USSD Credit Card is a Revolving Credit Facility in which you will be given a credit limit from which you can withdraw the amount he needs at his/her liberty. Any unutilized amount or repaid amount shall be used for further withdrawal by the client.


If you have been given a credit limit of Sh. 20,000 and you withdraw Sh.5,000, the amount available for further withdrawal is Sh.15,000. Interest will accrue on the outstanding Sh.5,000. If the you pays say Sh.3,000, the available limit for withdrawal shall be Sh. 3,000 (the repaid amount) +Sh.15,000 (the initially available amount) = Sh.18,000. The amount that shall accrue interest is the remaining Sh. 2,000 (Sh.5,000 – Sh.3,000) and the cycle continues on and on until the client pays off the facility.

2. Accessing Your Account

3. Services Accessible Via the USSD Platform

4. Applying for USSD Credit Card

5. USSD Credit Card Features and Benefits

6. Withdrawing Funds and Repayment

7. Privacy and Security

Welcome to Momentum