LendPoint
LendPoint vs Tunza: Microfinance and Loan Software in Kenya (2026)
Tunza and LendPoint both show up when Kenyans search for loan and microfinance software, but they started in different places. Tunza, by Zangu Pay, began with chamas, welfare groups and fundraising, and added microfinance software. LendPoint is loan management software for SACCOs, microfinance institutions and lenders, built around M-Pesa.
This comparison uses each company's public pages as of November 2026. LendPoint publishes it, so we've included where Tunza is the better choice too.
LendPoint vs Tunza at a glance
| LendPoint | Tunza | |
|---|---|---|
| Started with | Lenders: SACCOs, MFIs, micro and digital lenders | Chamas, welfare groups and fundraising, plus microfinance software |
| Pricing | Published: KES 5,000/month (Starter) or KES 8,000/month (Professional), plus a one-time KES 10,000 onboarding fee | Not published. Free account to start |
| Interest methods | Flat rate and reducing balance | Flat rate, reducing balance or custom daily interest |
| Collections | Your own Paybill, matched automatically, plus STK push | Manual entry, your own Paybill, or Tunza's Paybill (no Paybill of your own needed) |
| M-Pesa disbursement (B2C) | Built in | Not described on its microfinance page |
| Reminders | SMS before, on and after the due date | SMS and WhatsApp, 3 days before, on the due date and daily after a missed payment |
| Borrower channels | USSD, LendPoint app on Google Play, web portal | Android app on Google Play |
| Collection sheets and officer worklists | Daily, missed and past maturity, by branch or officer | Portfolio dashboard |
| Group contributions and fundraising | No | Yes |
Where LendPoint is stronger
Built for running a loan book
LendPoint covers what a lending business does every day:
- Loan products with fees, penalty rules, grace periods and caps.
- An approval workflow with guarantors and loan limits.
- Disbursement straight to M-Pesa through B2C.
- Early settlement quotes, rollovers, penalty waivers and write-offs, all in the audit log.
- A general ledger with profit and loss.
See loan repayment software for how schedules and collections work.
Branches and staff permissions
The Professional plan supports unlimited branches. Each staff member gets their own permissions per module, and loan officers can be limited to their own branch or portfolio while managers see everything. A growing MFI with several offices needs this.
Borrowers on any phone
LendPoint borrowers can check balances, get a statement and start a repayment over USSD, not only in an app. That matters for clients on feature phones.
Published price
You know the cost before you sign up, and the price doesn't change with the number of clients.
Where Tunza is stronger
- Chamas, welfare groups and fundraising. Tunza digitises group contributions and runs fundraising campaigns. LendPoint does neither.
- WhatsApp reminders. Tunza nudges members on WhatsApp as well as SMS. LendPoint reminders are SMS today.
- No Paybill of your own needed. With the Tunza Paybill, a new group can collect through M-Pesa without applying for its own shortcode. LendPoint connects to your own Paybill.
- Daily interest. Tunza lists custom daily interest. LendPoint offers flat and reducing balance, with daily installments available.
- Free to start. Tunza lets you open a free account. LendPoint has a 7-day free trial and then a monthly plan.
Which should you choose?
- Choose Tunza if you run a chama, welfare group or fundraiser, or a small group lending scheme that wants to collect through a shared Paybill and remind members on WhatsApp.
- Choose LendPoint if you run a lending business: you disburse loans through M-Pesa, collect through your own Paybill, have loan officers or branches, and need penalties, settlements and a ledger that hold up when you're audited.
To test LendPoint with your own loans, start a 7-day free trial.
Frequently asked questions
Is Tunza a loan management system?
Tunza, by Zangu Pay, offers chama software, a fundraising app and microfinance software. Its microfinance product covers lending, repayments, reminders and client portfolios. LendPoint is a loan management system only, for SACCOs, MFIs and lenders.
How much does Tunza cost?
Tunza does not publish pricing on its website. It offers a free account to start, so check its current terms when you sign up.
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.
Can LendPoint send WhatsApp reminders?
Not yet. LendPoint sends SMS reminders before the due date, on the due date and after a missed payment.
Do I need my own Paybill for LendPoint?
For automatic M-Pesa matching, yes: LendPoint connects to a Paybill or till registered to your business through Safaricom's Daraja API, and our onboarding team helps you set it up. You can also record payments manually while you wait.
