The *848# code is dialled like a phone call, and it works on any mobile phone, including the basic button phone your grandmother has relied on for a decade. Timiza looks at something almost every phone-owning Kenyan already has instead: a mobile money history. Loan sizes on Timiza start small and grow with you over time. Let the system check your eligibility using your mobile money history; no branch visit and no physical documents needed. Request your loan, and the money lands in your Timiza wallet within minutes, ready to move to M-PESA.