Loan default dispute in Kenya — resolve it fairly
Whether you lent money that is not being repaid, or you are being harassed over a loan, the situation is stressful and the formal system feels out of reach. Loan disputes need a structured, documented path — that is what Immani provides.
How Immani resolves this
Step 1: File the dispute against the other party's phone number for KSh 100 — attach the loan agreement, M-Pesa records, and messages.
Step 2: They get an instant SMS notice and a 3-day window to repay or negotiate a settlement.
Step 3: If they ignore it, escalate to mediation, legal AI guidance, or court-ready documentation.
Why Immani
- The SMS notice creates real pressure to respond — most loan disputes resolve in days.
- The accountability record deters repeat defaulters and protects future lenders.
- Legal AI explains your rights — including protections against harassment by unlicensed lenders.
Ready to take action?
File directly against the other person's phone number. No login required. KSh 100 to file.
File a dispute nowKnow your rights first
Ask Immani Legal AI — free legal information based on Kenyan law, in English and Kiswahili.
Try Immani Legal AINext time, hold your money safely
Immani Escrow holds your money until both sides confirm the deal. Pay via M-Pesa, money held safely, released when you both agree.
Start an escrowFrequently Asked Questions
Someone owes me money from a loan and is not paying — what can I do?
File a dispute against their phone number on Immani. The SMS notice creates pressure, and the record stays if they ignore it.
Can a lender harass me over a loan?
No — harassment by unlicensed digital lenders is illegal in Kenya. Use Immani Legal AI to understand your rights and document any harassment.
What evidence should I keep?
The loan agreement, M-Pesa transaction records, repayment schedule, and any messages about the loan.