LendPoint
LendPoint vs Presta: Loan Software for Kenyan Lenders Compared (2026)
Presta and LendPoint are both Kenyan loan software companies, and both sell to SACCOs and lenders. Presta, founded in 2017 as a subsidiary of Workpoint Limited, sells an end-to-end lending platform with a configurable appraisal engine, delivered over USSD and app. LendPoint is loan management software with published KES pricing and a free trial, built around M-Pesa.
This comparison uses public information as of November 2026. Presta doesn't publish prices or a full feature list, so where we couldn't confirm something, we say so. LendPoint publishes this comparison, so we've included where Presta is the better choice too.
LendPoint vs Presta at a glance
| LendPoint | Presta | |
|---|---|---|
| Founded | Kenya (Mombasa) | 2017, Kenya, as a subsidiary of Workpoint Limited |
| Pricing | Published: KES 5,000/month (Starter) or KES 8,000/month (Professional), plus a one-time KES 10,000 onboarding fee | Not published. Ask Presta for a quote |
| Free trial | 7 days, self sign-up | Not published |
| Borrower channels | USSD, LendPoint app on Google Play, web portal | USSD and app |
| Credit appraisal | Loan limits, guarantors, credit scores and approval workflow | Customisable appraisal engine with built-in fraud mitigation |
| M-Pesa | B2C disbursement, C2B Paybill matching and STK push | M-Pesa integration for disbursing and validating repayments |
| Banks | KCB integration, plus bank and cash payments recorded by staff | Bank integration for sending money and posting bank payments |
| Clients | Unlimited on both plans | Not published |
Where LendPoint is stronger
You know the price before you talk to sales
LendPoint's pricing is on the website: KES 5,000 a month for a single-branch lender, KES 8,000 for multi-branch, or KES 50,000 and KES 80,000 a year. The one-time KES 10,000 onboarding fee covers setup and data migration. There are no per-client charges. For a small or new lender, knowing the full cost up front makes budgeting simple. See what loan management software costs in Kenya.
You can start this week
Sign up, add a loan product and issue a test loan the same day, then connect your Paybill. There's no procurement cycle before you can see how the system handles your own loans.
Built-in collections for the loan officer
- Daily, missed and past-maturity collection sheets by branch or officer.
- Automatic SMS reminders before, on and after the due date.
- Penalty rules with grace periods and caps, waivers, early settlement quotes, rollovers and write-offs, all in the audit log.
- A general ledger with profit and loss built from the same entries.
Kenyan regulation, explained
Our guides cover the 2026 CBK rules for non-deposit-taking lenders: licensing, the in duplum rule, CRB reporting and debt collection.
Where Presta is stronger
- Appraisal and fraud checks. Presta leads with a customisable appraisal engine and fraud mitigation. If automated credit decisions on many small digital loans are your main need, put that at the top of your demo.
- Large, custom deployments. Quote-based pricing usually means the vendor shapes the deployment to the client. A large SACCO or lender wanting custom work may prefer that model.
- Track record. Presta has been selling lending software in Kenya since 2017.
Which should you choose?
- Choose Presta if you are a larger SACCO or digital lender that needs a custom deployment built around automated appraisal, and you're comfortable with quote-based pricing.
- Choose LendPoint if you want published KES pricing, a trial you can start today, and M-Pesa disbursement, Paybill matching, reminders and collection sheets ready to use.
Whichever you shortlist, run the same test: disburse a loan to M-Pesa, take a partial Paybill repayment, let an installment go overdue and quote an early payoff. Start a LendPoint trial to try it with your own numbers.
Frequently asked questions
How much does Presta cost?
Presta does not publish pricing on its website. Contact Presta for a quote based on your organisation and the modules you need.
How much does LendPoint cost?
KES 5,000 a month (Starter) or KES 8,000 a month (Professional, multi-branch), or KES 50,000 and KES 80,000 a year, plus a one-time KES 10,000 onboarding fee. Both plans include unlimited clients and a 7-day free trial.
Do both support USSD?
Yes. Presta describes its platform as running on USSD and app. LendPoint borrowers can check balances, get statements and start repayments over USSD, and also use the LendPoint mobile app or web portal.
Can I switch from Presta to LendPoint?
Yes. Export your borrowers and running loans, and LendPoint's onboarding team imports them in bulk with current balances, as part of the one-time onboarding fee.
Is Presta or LendPoint better for a small lender?
For a small or new lender, LendPoint's published monthly price, unlimited clients and self-serve trial are usually easier to start with. Larger organisations with custom appraisal needs may want a Presta quote to compare.
