Instant LUKU Advance
Borrow electricity units instantly via mobile app, USSD, or web. No paperwork, no delays.
Installment Meter Purchase
Pay part of your electricity meter cost upfront and the balance over time through usage.
Purchase‑linked repayment
Repayments deducted automatically when you buy more tokens. Also voluntary via M‑Pesa or bank.
30+
Thousand active borrowers
About the platform
Micro‑credit for prepaid electricity
NuruAdvance is a digital micro‑financing platform designed for households and small businesses using LUKU.
We integrate with electricity token services, mobile money (Vodacom M‑Pesa, Airtel, Tigo), and banks to provide short‑term electricity credit. Our goal: eliminate power interruptions caused by temporary cash shortages while building a digital credit profile for energy consumers.
Payment reliability (scoring factor)
Repayment behavior weight
Who we serve
Designed for every stakeholder
NuruAdvance connects electricity consumers, utilities, financiers, and agents on one integrated platform.
Electricity consumers
Borrow LUKU instantly via mobile app, USSD, or agent. Repay flexibly – no disconnection.
Financiers & Microfinance Bank
Data‑driven credit risk engine – lend confidently using consumption patterns.
Agents & communities
Onboard customers, verify identity, and facilitate token delivery – earn commissions.
