Answers to our frequently asked questions.


How much does it cost to Hire BFree Limited?

Payment is 100% commission-based. Clients pay us a percentage of the total amount we collect. Our commission rates are customized for each client and depend on portfolio characteristics such as loan sizes, days late of the outstandings, etc.

Is there a minimum or maximum debt value I can refer to BFree?

There is no minimum or maximum debt amount required before you can refer a debt to BFree. However, the amount of the debt will help determine the best and most cost-effective action required to facilitate collection.

Will I lose control over the NPL portfolios if I outsource to BFree?

Not at all, BFree will keep you up to date with regular reporting and feedback to enable you to track the progress of each of your accounts.

How long does it take to collect outstandings?

Every portfolio is different as every lender has a different credit scoring process, a different fraud monitoring process, and different internal collection processes. Thereby, we generally advise you to first start with a pilot portfolio that allows you to get to know our collection practices while it allows us to get to know your customers and portfolio quality.

Does it matter how old the debt is?

Yes, a debt must not be over 3 years old.

What are the different credit collection methods used?

Each debt is looked at on an individual basis. Our credit collection process entails self-servicing options, call and messaging automations, and contact centre collections.

Is the money collected sent directly to the client?

Yes, all funds collected go directly to you the client through the client’s payment methods provided.

Is BFREE covered by a data protection license?

Yes, we are required to have our details logged through a secured platform. Also, BFREE is fully NITDA compliant.

How do we get started?

Contact us through the helpline 01-7004360 or send an email to hello@bfree.africa Our experienced team will customize a credit collection solution for you and answer all questions about the process. Onboarding new clients typically takes 15 days before credit collection activities begin.


I have been contacted by BFREE. What does that mean?

This means that your account was referred to BFree after you missed your first or a few repayments after the due dates. BFREE has now been engaged by your lender to collect the outstanding loans from you.

Will BFREE reach out to any of my contacts to inform them that I have not repaid my loan?

BFree will never do that. We can only reach out to your guarantor after several failed attempts to reach you, but we won’t disclose loan details.

I do not have the money to repay right now. What can I do?

Simply view your loan details on the self-service portal, and schedule a payment plan.

I owe more than one lender. What can I do?

You can create a payment plan for each lender to help you resolve the outstanding loans.

I feel that I have not been treated fairly by BFREE. What can I do?

Simply send an email tocomplaints@bfree.africato lay a complaint and we will resolve the issue.

How can I repay my loan?

You can repay your loan via the self-service portal by selecting themake payment optionon your loan details page.

What are the payment options?

You can make full payment, part payment, or third party payment via direct transfer, USSD code, or debit/credit card.

Why should I use the Self-service option?

The self-service option allows you to monitor your outstanding balance, access your loan details and easily schedule a payment plan.

Is the Self-service option free to use?

Yes, it is. We don't even charge payment processing fees, and there are no hidden charges.

I’ve paid already, why am I still being contacted?

You are being contacted because our records show that you still have an outstanding balance. Simply upload a payment proof and we will confirm and update our records.

What do I do if the amount or payment details are inaccurate?

We receive account balances and payment details directly from our clients. To clarify, send us a message via the comment box on the loan details page or send a message via our chat options on the self-service portal.

Does BFree have a help centre?

Yes, we do. Select Help Centre at the top of this page to access our regularly updated online content to support you. Call 01-7004360 or email us at hello@bfree.africa.

How does paying my outstanding balance improve my credit score?

If your name has been listed with the credit bureau by any of our clients, your record will be updated once you pay the balance. This can help to improve your credit score over time.

Reach out to help us to control your NPL portfolio!