Loan decisions are based on many pieces of information, including income, repayment of other loans, M-Pesa usage, and other information. Users provide us this information by using the app and filling out our survey, and then our software builds a personal credit profile. This allows us to provide loans more quickly and to more people than traditional banks. We want to provide access to credit to everyone who can afford it, and sometimes we are not able to qualify people instantly. We are working on more ways to approve people. Rejected borrowers should keep the app installed and will be contacted to re-apply later.