Cost comparison

StreamPay vs Loans

Traditional short-term loans are often expensive. StreamPay is 4 to 5 times cheaper — and it is not even a loan.

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See your exact savings

Enter the amount you need and how many days. We show you the real cost of each option.

KES 5,000 for 20 days

The most common employee cash need

❌ Typical loan product
Amount borrowedKES 5,000
Access fee (1% once)KES 50
Daily fee (KES 25 × 20 days)KES 500
Total chargesKES 550
Total repaymentKES 5,550
Effective annual rate: 395%+. Any money entering your M-Pesa is automatically deducted — even before you spend it.
✅ StreamPay
Amount withdrawnKES 5,000
Access feeKES 0
Daily feeKES 0
Flat service feeKES 100
Total repaymentKES 5,100
This is your own earned money — not a loan. Deducted from salary at month end. No surprises.
You save with StreamPay
KES 5,000 over 20 days
KES 450

Full cost table — different amounts

Amount Days Loan total cost StreamPay cost You save
KES 1,0007 daysKES 1,052KES 1,100Loan product cheaper short-term
KES 2,00014 daysKES 2,370KES 2,100Save KES 270
KES 3,00014 daysKES 3,395KES 3,100Save KES 295
KES 5,00020 daysKES 5,550KES 5,100Save KES 450
KES 5,00030 daysKES 5,800KES 5,100Save KES 700
KES 10,00020 daysKES 10,600KES 10,100Save KES 500
KES 15,00020 daysKES 15,650KES 15,100Save KES 550

Typical loan rates: 1% access fee + KES 25/day for amounts above KES 2,500. StreamPay: KES 100 flat. Note: for very small amounts held very briefly, loans may be cheaper.

StreamPay is 4-5x cheaper than loans

For the average Kenyan formal sector employee who needs KES 3,000–10,000 for 10–25 days, StreamPay wins every time. And unlike traditional loans, StreamPay is not a loan — it is your own earned money.

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