Updated 20 October 2026
Quick answer: Jirani Smart Limited’s customer care and WhatsApp number is 0722 810 781 (+254 722 810 781) and its email is info@jiranismart.com. The company lists its address as Mwatate, Taita Taveta County. Its website shows 90 branches grouped into 14 regions, mostly in small and rural towns across Nyanza, Ukambani, the Coast, Mt. Kenya, the Rift Valley and Western Kenya.
Everything here comes from Jirani Smart’s own website, jiranismart.co.ke. Last verified October 2026.
In this guide
Jirani Smart Contacts at a Glance
| Channel | Details |
|---|---|
| Phone | +254 722 810 781 |
| +254 722 810 781 (the website’s chat button opens this number) | |
| info@jiranismart.com | |
| Registered address on the website | Mwatate, Taita Taveta, Kenya |
| Website | jiranismart.co.ke |
| Social media | Facebook page and LinkedIn company page (Jirani Smart Ltd), both linked from the website |
The website says its support team is available 24/7. Branch phone numbers are not published, so the 0722 810 781 line is the number to use for every branch, and the staff there can direct you to your nearest office.
Note the two domains: the website is jiranismart.co.ke, but the email address the company publishes ends in jiranismart.com. Treat any message from a different address, or any request to pay into a personal M-Pesa number, with suspicion and confirm it on the main line first.
What Jirani Smart Does
Jirani Smart says it was founded in 2016 and describes its mission as serving low-income and marginalised communities with affordable products and services. It reports more than 300,000 customers in over 35 counties, and over 12,000 unique products.
Unlike a typical microfinance bank that mainly lends cash, much of Jirani Smart’s business is helping customers own goods on payment plans. Its website groups what it offers into six product categories:
- Electronics: devices and appliances.
- Household items: everyday products for the home.
- Construction materials: metals, tiles and building supplies.
- Water and farm inputs: irrigation systems, water solutions and agricultural inputs.
- Clean energy: solar, gas and other renewable energy products.
- General products: a wider range of everyday essentials.
Jirani Smart loan products
The website lists six named products: Boresha Maisha Loan, Jirani Jumbo Loan, Uwezo Loan, Jirani Mauzo Pap, Supa Boresha Loan and a Staff Loan. It does not publish interest rates, limits, deposits or repayment periods for them online, so ask the branch or the customer care line for the full cost in writing before you sign. A good habit with any asset financing deal is to ask three questions: what is the total amount I will pay by the end, what happens if I miss a payment, and when does the item become fully mine.
Parliament has been looking at complaints against asset financiers and buy-now-pay-later firms; see our report on MPs probing buy-now-pay-later and asset financiers. If you are comparing cash lenders, the CBK list of licensed digital credit providers and our guide on how to check if a lender is licensed by CBK will help you confirm who is regulated.
All 90 Jirani Smart Branches by Region
The branch list on Jirani Smart’s website names each branch by town, grouped into regions. It does not give street addresses or branch phone numbers. The table below follows the website’s regions (one duplicate entry for Mbooni has been counted once).
| Region | Number of branches | Branch towns |
|---|---|---|
| Kisii Region | 7 | Awasi, Homa Bay, Kisii, Mbita, Migori, Nyamira, Sori |
| Kitui Region | 6 | Kanyangi, Kitui, Kyuso, Mutomo, Mwingi, Zombe |
| Mt. Kenya Region | 6 | Chuka, Embu, Gatunga, Ishiara, Maua, Meru |
| Makueni Region | 9 | Bisil, Emali, Kambu, Kibwezi, Kilungu, Loitoktok, Mbooni, Mbumbuni, Wote |
| Machakos Region | 6 | Kangundo, Kiatineni, Kivaa, Machakos, Matuu, Wamunyu |
| Kwale Region | 5 | Kinango, Kombani, Lungalunga, Msambweni, Samburu |
| Kilifi Region | 8 | Bamba, Hola, Kaloleni, Kilifi, Malindi, Marafa, Minjila, Mpeketoni |
| Taita Taveta Region | 5 | Mbale, Mwatate, Rukanga, Taveta, Werugha |
| Central Rift Region | 5 | Elburgon, Londiani, Mau Narok, Narok, Sosiot |
| South Rift Region | 5 | Bomet, Kehancha, Keroka, Kilgoris, Sotik |
| North Rift Region | 8 | Eldama Ravine, Iten, Kabarnet, Kapsowar, Marigat, Moiben, Mogotio, Tenges |
| Nyandarua Region | 6 | Kinamba, Miharati, Njabini, Nyahururu, Ol Kalou, Rumuruti |
| Lower Western Region | 7 | Bondo, Bumala, Kapsabet, Kaptumo, Lessos, Tinderet, Vihiga |
| Upper Western Region | 7 | Kakamega, Kapenguria, Kimaeti, Moi’s Bridge, Tongaren, Turbo, Webuye |
| Total | 90 |
Note that the company’s own region names do not always match counties. For example, Hola (Tana River) and Mpeketoni (Lamu) appear under the Kilifi Region, Kapsabet and Lessos (Nandi) sit in Lower Western, and Kehancha (Migori) is grouped under South Rift. Narok and Mau Narok fall under Central Rift.
Where Jirani Smart is strongest
- Ukambani: 21 branches across the Makueni, Machakos and Kitui regions, the company’s largest cluster.
- Coast: 18 branches across the Kwale, Kilifi and Taita Taveta regions, which include Mwatate, the address the company lists.
- Rift Valley: 18 branches across the Central, South and North Rift regions, plus 6 more in the Nyandarua Region.
- Western and Nyanza: 14 branches in the two Western regions and 7 in the Kisii Region.
- Mt. Kenya: 6 branches, from Chuka and Embu to Meru and Maua.
There is no Nairobi branch on the list. Customers in the city would need to deal with the company by phone or WhatsApp, or visit a branch in a nearby town such as Kangundo, Matuu or Machakos.
How to Reach Jirani Smart Customer Care Fastest
- WhatsApp first. Send a message to +254 722 810 781 with your full name, ID number, branch and the product or account you are asking about. A written message gives you a record.
- Call the same number if the matter is urgent, such as a faulty product or a payment that has not been recognised.
- Email info@jiranismart.com for anything that needs documents, such as a statement request, a complaint or a request to close an account.
- Visit your branch with your ID and any receipts for product returns or repairs. Call ahead, since branch hours are not published.
Common Issues and What to Do
- Payment not reflecting: keep the M-Pesa confirmation message and send it with your account details on WhatsApp.
- Faulty product: report it straight away and ask what the warranty covers. The website says every product is tested for reliability, so ask for the warranty terms in writing.
- Clearing your balance early: ask for the exact settlement amount and whether any charges fall away if you pay early.
- Jobs and internships: the website has Careers, Jobs, Internships and Attachment sections. You can also find similar openings on JobinKenya.
Frequently Asked Questions
What is the Jirani Smart customer care number?
+254 722 810 781. The same number is used for WhatsApp.
How many branches does Jirani Smart have?
Its website lists 90 branches in 14 regions, from Kisii and Migori to Kilifi, Kwale, the North Rift and Nyandarua.
Where is the Jirani Smart head office?
The website gives its address as Mwatate, Taita Taveta County. It does not publish a street address.
Does Jirani Smart have a branch in Nairobi?
No Nairobi branch appears on its branch list. The nearest listed branches are in Machakos County, at Kangundo, Matuu and Machakos town.
What is the Jirani Smart email address?
info@jiranismart.com.
What products does Jirani Smart offer?
Goods on payment plans in six categories (electronics, household items, construction materials, water and farm inputs, clean energy and general products) and named loans including Boresha Maisha, Jirani Jumbo, Uwezo, Jirani Mauzo Pap and Supa Boresha.
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