Please read these terms carefully before applying for financing
These Terms and Conditions govern your use of the financing services provided by Enerjoy Financing Inc. ("Enerjoy," "we," "us," or "our"), a company registered in Kenya. By applying for and accepting financing from Enerjoy, you ("the Customer," "you," or "your") agree to be bound by these Terms and Conditions.
2.1. Financing is available to Kenyan residents, including homeowners and businesses, subject to Enerjoy's eligibility criteria.
2.2. Applications for financing must be submitted through Enerjoy's designated channels, including our website and authorized contractor partners.
2.3. All applications must be accompanied by the required documentation, including:
2.4. Enerjoy reserves the right to request additional documentation or information as needed.
3.1. Loan amounts are subject to Enerjoy's approval and are limited to a maximum of KES 2,500,000.
3.2. Interest rates range from 25% to 35% per annum, calculated on a flat rate basis.
3.3. Loan repayment periods are between 12 and 24 months.
3.4. A deposit of 10% of the quote is required for homeowners, and 20% for businesses, prior to disbursement.
3.5. Loan disbursements will be made directly to Enerjoy's authorized contractor partners.
3.6. Enerjoy does not require collateral for loan approvals.
3.7. All loan repayments must be made in Kenyan Shillings (KES) via Paybill or Bank transfer.
3.8. Enerjoy may charge late payment fees as determined by the loan agreement.
3.9. Prepayment of the loan does not attract any fees.
4.1. Enerjoy facilitates financing through a network of vetted contractor partners in Kenya.
4.2. After-sales service, including warranties and maintenance, is provided by the respective contractor partners.
4.3. Enerjoy is not responsible for the performance or quality of services provided by contractor partners, but will assist in mediating disputes.
5.1. The Customer agrees to provide accurate and complete information during the application process.
5.2. The Customer is responsible for making timely loan repayments according to the agreed schedule.
5.3. Failure to repay the loan may result in legal action and negatively impact the Customer's creditworthiness in Kenya and beyond.
5.4. The Customer agrees to notify Enerjoy of any changes in their contact or financial information.
6.1. Enerjoy will collect and process Customer data in accordance with the Kenyan Data Protection Act, 2019.
6.2. Customer data will be used for loan processing, administration, and compliance purposes.
6.3. Enerjoy will not disclose Customer data to third parties without consent, except as required by law.
7.1. Any disputes arising from these Terms and Conditions shall be resolved through amicable negotiation.
7.2. If a dispute cannot be resolved through negotiation, it shall be referred to arbitration in accordance with the Kenyan Arbitration Act.
7.3. The laws of Kenya shall govern these Terms and Conditions.
8.1. Enerjoy reserves the right to amend these Terms and Conditions at any time.
8.2. Customers will be notified of any changes, and continued use of Enerjoy's services constitutes acceptance of the amended Terms and Conditions.
For any inquiries or concerns, please contact Enerjoy Financing Solutions Ltd. at:
If any provision of these Terms and Conditions is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms and Conditions constitute the entire agreement between Enerjoy and the Customer regarding the financing services.