AI-Powered · M-Pesa · Kenya
Your M-Pesa history
is your credit score
Upload your M-Pesa statement and get a full credit score out of 850 in under 60 seconds. No bank account needed. No long forms.
🔒 PDF never stored
⚡ Under 60 seconds
🇰🇪 Built for Kenya
📊 Score out of 850
Sample Credit Report
John Kamau
Jan 2024 – Dec 2024
724
/ 850
GOOD ✓
Process
Three steps to your score
No bank visits. No long forms. Just your M-Pesa statement and 60 seconds.
1
Request your statement
Open MySafaricom App → M-Pesa → Statement → Request.
Safaricom emails you a password-protected PDF and SMSes you the unlock password.
2
Upload & enter password
Drop your PDF and enter the Safaricom SMS password.
Our AI unlocks and reads your transaction history — analyses it immediately and discards the file.
3
Get your full report
In under 60 seconds: a score out of 850, a 5-factor breakdown,
key financial insights, and a personalised action plan to improve.
Scoring model
850 points, 5 factors
Our AI reads your M-Pesa history and scores you across five financial dimensions that lenders actually care about.
📈
213 pts
Income Consistency
💳
170 pts
Spending Discipline
🔄
213 pts
Repayment Behaviour
🏦
127 pts
Savings Behaviour
🌐
127 pts
Transaction Network
Pricing
Simple, honest pricing
Pay only when you need it. No hidden fees.
// Free
Guest Preview
Ksh 0
No account needed
Try PesaScore without signing up.
See your score and band — register to unlock the full report.
✓Score out of 850
✓Score band (Good, Moderate…)
✗Detailed breakdown
✗Insights & improvements
Try as Guest
// Most popular
Single Report
Ksh 20
Per score · one-time M-Pesa payment
Full credit report with everything you need to understand
and improve your financial profile.
✓Score out of 850
✓Full 5-factor breakdown
✓Insights & improvements
✓Shareable PDF report
Get Full Report →
// Best for multiple reports
1-Hour Unlimited Pass
Ksh 200
One-time M-Pesa payment · valid for 1 hour
Run as many statement analyses as you need during the hour after payment is confirmed.
✓Unlimited analyses for 1 hour
✓Full report breakdowns
✓Insights & improvements
✓One payment prompt on M-Pesa
Analyze & choose a plan →
Ready to know your score?
Over 80% of Kenyans have no formal credit history. Your M-Pesa tells a different story — let us prove it.