Transparency is central to our lending model. Moshi Credit clearly outlines all applicable fees, interest, and penalty structures before a loan is accepted.

Users can access a detailed breakdown of:

• Principal amount

• Interest charges

• Applicable penalties (if any)

• Total payable amount

There are no hidden fees or unclear terms. All repayment obligations are displayed inside the app, allowing users to make informed financial decisions. Our structured penalty framework encourages timely repayment while maintaining fairness and clarity.