31 Instant Mobile Loan Apps in Kenya for Mpesa Loans

Are you in need of quick cash but have no one to call for rescue?

Have you tried borrowing from friends, family or even your bank and failed because of a poor credit score or a CRB listing?

If so, do not despair.

At least not until you have tried accessing loans from either of the loan apps on this post.

Most of these apps issue unsecured personal loans ranging from Ksh. 500 to Ksh. 100,000.

Others even issue business loans of up to Ksh. 500,000 on the side.

Below is a list of mobile loan apps where you can access loans without security in Kenya;-

• Zenka Mobile Loan app – Kenya
• Okash Mobile Loan App Download.
• KCB Mobile Phone Loan App.
• KopaKash Mobile Loan App Download.
• Tala Loan App 
• Pesa plus
• Branch Mobile Loan App
• Mshwari Loan.
• Berry-Simple Swift Loan.
• Saida Mobile Loan App.
• Timiza Loan App.
• Opalquick Loan
• Opesa Loan App.
• Afri Kash Kenya.
• PesaChap.
• Saida Mobile Loan App.
• Timiza Loan App.
• Loanika App

1. Zenka Mobile Loan app – Kenya.

Zenka offers a simple registration and application process. Get your first loan for free, with no registration fees, 0% commission, and 0% interest.

How to access Zenka Loans;

• Download Zanka App from Google Play Store.
• Fill your application form(choose how much money you need).
• Your application will be evaluated and once approved you will receive the approved amount on your M-Pesa account.

You can also access Zenka loans through USSD code – *841# and repay using this paybill – 979988.

How to Repay Zenka Loans Via Mpesa.

• Open your Mpesa menu.
• Select Lipa Na Mpesa.
• Choose paybill.
• Use Zenka paybill number – 979988.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.
• You will receive a Mpesa message confirming your payment to the Zenka loan app.

2. Okash Mobile Loan App Download.

Okash makes it easy for you to access credit anytime and anywhere. It’s a fast and secure loan/ online cash advance by OneSpot Technology Investment Limited.

To access this facility;

• Download Okash App.
• Click on the signup button.
• Fill in the required details.
• Permit for Okash to use the data on your phone including SMS history and other information to verify your identity and create a credit score.
• Verify your phone number.
• Activate your account.

The Okash app will analyze all your details to determine your loan limit.

Okash loans are instant and attract a 5% interest for up to Ksh. 500,000 of credit.

How to Repay Your Okash Mobile Phone Loan.

• Login to your Okash loan app.
• Click on the make payment button on the app to be redirected to Mpesa.
• Fill in the required details and repay your debt.

Alternatively,

• Open your Mpesa menu.
• Select Lipa Na Mpesa.
• Choose paybill.
• Use Okash paybill number – 612224.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive a notification message showing that the loan has either been paid partially or fully.

If it is paid fully, congratulations. You can borrow it again.

3. KCB Mobile Phone Loan App.

The KCB Mobile App gives instant loans both for KCB and non-KCB customers.

You will access the loan services from your Safaricom line, M-Pesa app, or KCB mobile app.

The app provides an easy and secure way to access your account, send money, and withdraw cash.

For non-KCB customers, you need to have a Safaricom line and register for M-Pesa to access the loan.

4. KopaKash Mobile Loan App Download.

Kopakash offers a loan from KES 1,000 – 50,000 with the shortest repayment period of 91 days and the longest is 365 days.

The maximum interest rate charged is 20% per year.

To access the credit, download the kopaKash App from play Store, register your M-Pesa phone number, select the product you would like to apply for, fill in your basic information and upload your KYC documents.

Afterward, submit your application.

The final application results will be shown in the App and sent via SMS if approved.

5. Tala Loan App Download, Loan Application & Repayment.

To access Tala, download the Tala app on playstore, fill out the loan application, verify your identity through a secure system, get cash sent directly to your M-Pesa in an instant.

You can pay the loan in 21 days for one-time fees of 5-11% or 30 days term for 7-15% one-time interest.

Grow with Tala and build your limit up to Kes. 30,000.

How to Repay Your Tala Loan.

• Go to your Mpesa Menu.
• Select Lipa Na Mpesa.
• Choose paybill.
• Use Tala Loan paybill number – 851900.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

6. Branch Mobile Loan App – Download – Loan Application And Repayment.

Branch makes it easy to access loans anytime, anywhere.

Sign up in seconds, apply for a loan of up to Ksh. 70,000 and receive your money right to your mobile money or bank account.

It’s a fast, convenient and reliable way to access credit when in need.

How to Apply for a Branch Loan.

• Download the Branch loan app on playstore.
• Create your account by providing the needed info.
• Request a loan from Ksh. 500 to Ksh. 70,000.
• You will receive the loan instantly in your mpesa account.

How to Repay Branch Loan Via Paybill.

• Go to your Mpesa Menu.
• Select Lipa Na Mpesa.
• Choose paybill.
• Use Branch Loan paybill number – 998608.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

7. Mshwari Loan.

This is a revolutionary new banking product for M-Pesa customers that allow you to save and borrow money through your mobile while earning interest on money saved.

Mshwari is a product of Safaricom and Commercial Bank of Africa.

You need to have a Safaricom line and register for M-Pesa to access the credit.

How to Repay Your Mshwari Loan.

• Go to your M-PESA menu.
• Select Loans and Savings.
• Click on Mshwari.
• Select Loan.
• Click pay loan.
• From Mshwari.
• Enter amount to repay.
• Enter Mpesa Pin.

8. Haraka Mobile Loans: – App Download, Loan Application & Loan Repayment.

Haraka is a quick and convenient instant mobile loan.

No bank account or credit history is required. You can get the loan in 4 easy steps;

• Download the Haraka Loan App on Playstore.
• Create your account by logging in to Facebook.
• Agree to the use of your phone data.
• Choose your loan amount and click proceed.
• Check your mobile wallet for your money.

Haraka determines your credit scoring, affordability, identity verification by scanning your mobile wallet SMS transaction messages, call logs and other phone data.

How to Repay Haraka Loan via Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Haraka Loan paybill number – 817910.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

9. Berry-Simple Swift Loan.

Berry credits you with low-cost loans with flexible repayment schedules.

To access a loan: –

• Download the App on playstore.
• Register.
• Apply for berry mobile loans in less than 5 minutes.
• Get approval in seconds.
• Your loan will be disbursed to Mpesa.

Berry charges a fee ranging from 8% to 15% and loans are payable from 3 to 30 days.

How to Repay Berry Loans Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Berry Loan paybill number – 977888.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

10. Opesa Loan App.

Opesa offers fast money to your Mpesa.

They offer a loan amount from Ksh.500 to 30,000 with a repayment period of 91 to 365 days at an interest rate of 12% and zero service fee.

You get this facility you need to have a good credit score.

How to Apply for The Opesa Loan.

• Download the app and register with your M-Pesa number.
• Apply for the exact loan amount you need.
• Get approval and receive the money in minutes.

How to repay the Opesa Loan.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Opesa Loan paybill number – 606280.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

11. Saida Mobile Loan App.

To get a loan from Saida you need to install the App and see if you are eligible for their loan by following the steps outlined below.

• Download the app on playstore.
• Set up your account.
• Fill in the loan application form.
• Consent to share financial information with Saida.
• Get your approval within an hour of the loan application.

How to Repay Your Saida Loan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Saida Loan paybill number – 854400.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

12. Timiza Loan App.

Timiza loan App is a Barclays bank (Absa Group) customer mobile app that enables customers to access quick loans easily.

To access Timiza, download the Timiza loan app on playstore, fill in your information and apply for the loan you are allowed to borrow.

You can also access the loan via USSD – *848#.

How to Repay Your Timiza Loan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa Na Mpesa.
• Choose paybill.
• Use Timiza Loan paybill number – 300067.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

13. Tumiwa loan.

Tumiwa is a fast, convenient and reliable way to access credit.

Follow the steps outlined below to get a quick loan from Timawa loan app,

• Create your account.
• Apply in seconds.
• Receive your loan straight to your mobile money or bank account.

Disclaimer: – This loan app has lots of negative reviews on playstore. Read before downloading.

14. Uwezo cash.

Uwezo Kash offers credit with low fees and an easy repayment schedule. You can also save money with Uwezo at favorable interest rates.

15. Afrikaloan Kenya.

With a good credit history, it’s easier to get loans fast approved whenever you apply.

How to Apply for AfrikaLoan.

• Download the Afrikaloan loan app from playstore.
• Sign up then fill in your personal information.
• Request for a loan of up to Ksh. 50,000.
• Wait for the app to process your application.
• If your loan is approved, you will receive a notification and the money will be sent to your mpesa.

How to Repay AfrikaLoan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Afrika Loan paybill number – 697566.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

16. Pezesha.

Pezesha is a secure Peer to Peer marketplace platform that allows Kenyans to give loan to other Kenyans securely via M-Pesa.

You can be a lender and also a borrower at the same time.

How to Apply for Pezesha Loan. 

• Download the pezesha loan app on playstore.
• Open the app and click on the Borrow button.
• Register if you don’t have a Pezesha account or sign in if you are registered.
• Once logged in, click on the get loan tab.
• The amount you qualify for will be shown on the app with the repayment period (30 days).
• Choose the amount you want then wait for the app to process your request.
• Your loan will be sent mpesa upon approval.

You can also apply for Pezesha loans via SMS by sending the word “Apply” to 22235.

How to Repay Pezesha Loans Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Pezesha paybill number – 898927.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

17. Karibu Kash Loan.

Karibu kash is an application developed to allow customers access timely and affordable short-term loans on mobile.

It allows customers to enjoy instant accesses to loans processed in under a minute.

How to Apply for The Karibu Kash Loan. 

• Dial USSD code – *243*44# via your Safaricom line.
• Or download the Karibu Kash app via playstore.
• Type in your ID/Passport number.
• Enter your personal details then wait for your loan to be approved.

Once approved, you will receive an SMS confirmation.

How to Repay Your Karibu Kash Loan.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Karibu Loan paybill number.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

18. PesaChap.

To access the loan, download the app and register using your M-Pesa number.

• Fill in your personal details.
• Verify your identity through the loan app.
• You will get cash sent to your Mpesa number when your loan is approved.

How to Repay Your Pesa Chap Loan.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use PesaChap paybill number – 623333.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

19. Afri Kash Kenya.

Get instant cash in your M-Pesa wallet by;

• Downloading the Afri Kash App,
• Providing your phone number, identity, and latest MPESA full statement for 3 months.

If you get approved, your loan will be sent to your Mpesa account.

How to Repay Afri Kash Loan Via Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Afri Kash paybill number – 571485.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

20. Okolea Loan App. Download, Application, and Loan Repayment. 

To register for Okolea,

• Download the app and fill in the form provided to register.
• Once you register with Okolea you will be assigned a loan limit after your account is appraised.
• You will get 20% increase on your limit every time you pay your loan.

How to Repay Okolea Loan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Okolea paybill number – 245316.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press OK.

You will receive an SMS notification if the payment is successful.

21. Eazzy loans.

Get quick financing by applying for Easy Loans as directed below;

• Download Eazzy App from Google play Store.
• Fill the short application form.
• Receive money on your mobile money account.
• If you need additional money use the flexible additional amount features and top up your loan.
• If in need of more time to repay, use loan extension features to postpone your due date by 7 days.

How to Repay Eazzy Loan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Eazzy Loan paybill number – 247263.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press OK.

You will receive an SMS notification if the payment is successful.

22. Pesa plus – Online mobile Loans.

This app allows SACCOs and MFI’s to integrate mobile banking into their core banking platforms.

It automates the deposit of monies from any mobile money platform like M-Pesa into the clients’ accounts in the institution and enables the withdrawal of monies from the same account using a USSD interface.

The USSD interface offers other related services that clients might be interested in including checking balances of the account, request loans, request mini statements, purchase airtime, and other services.

To request a loan from the pesa plus systems, dial *477# and choose the loaning service from the onscreen menu.

Note: – you can only access this service if you are a member of a Kenyan Sacco.

23. PesaZone Loans.

Download the PesaZone loan app from Google play Store and build your credit score automatically.

The app will request you to provide permission to access mobile M-Pesa messages. Allow it.

You will be able to borrow from Kes. 250 to 50,000.

How to Repay PesaZone Loan Via Mpesa Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use PesaZone Loan paybill number – 754285.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press OK.

You will receive an SMS notification if the payment is successful.

24. Loanika App.

How to Apply for a Loanika Loan.

• Download the Loanika loan app on playstore.
• Create your account by providing the needed info.
• Request a loan from Ksh. 500.
• You will receive the loan instantly in your mpesa account.

How to Repay Loanika Loan Via Paybill.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Loanika Loan paybill number.
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

25. Lipa later.

Pay what you need over time and get it today by : –

• Setting up an account with your details.
• Applying for the amount you want.
• Taking your selfie and uploading to lipa later for verification.
• You should also submit your 6 months M-Pesa statement and wait for lipa later to approve you for an asset loan.

With the lipa later loan you can get phones and electronics on credit and pay later.

How to repay lipa later loan via Mpesa. 

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Lipa Later Loan paybill number –
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press Ok.

You will receive an SMS notification if the payment is successful.

26. Kenya Loans Hub.

Kenya Loans was set up to make loan products more accessible to Kenyans.

The platform provides information on loans in Kenya at lower interest rates. They also provide loans.

However, the developers require an upfront loan facilitation fee of KES. 200.

Note: – paying the loan facilitation fee does not guarantee you a loan.

27. Kenya Quick loans market.

They bridge borrowers and lenders.

Once you send them your loan request, they will post it where lenders will see it and contact you privately.

Download the App, fill the loan application form, accept the terms and conditions and pay the advertising fees of KES. 100 to 200 depending on the amount applied for.

Your request will be advertised and in less than 20 minutes loan offers will start streaming via your email.

Note: – paying the loan facilitation fee does not guarantee you a loan.

28. Fetti loans.

Fetti is a loan app that gives access to personal and business loans in Kenya.

Its loans range from Ksh. 200 to Ksh. 100,000 at an interest of 10% to 15% depending on individual credit score.

All loans must be paid within a period of 30 days.

How to Apply for Fetti Loan in Kenya.

• Download and install the Fetti loan app from playstore.
• Register with the phone number where you want the loan to be disbursed.
• Apply for a Fetti loan.
• You will receive your loan in your mpesa account within 5 minutes of approval.

How to Repay Fetti Loan in Kenya.

• Go to your Mpesa Menu.
• Select Lipa na Mpesa.
• Choose paybill.
• Use Fetti Loan paybill number –
• Enter your phone number as the account number.
• Enter the amount you want to repay.
• Key in your Mpesa Pin and press OK.

You will receive an SMS notification if the payment is successful.

29. Opalquick Loan.

This loan App has very few and easy steps to acquire credit advance. And, the credit interest ranges from 5% to 20% depending on individual credit score.

How to Apply for Opalquick Loan In Kenya. 

Quickly install the app, register or log in and borrow a loan.

Repay the loan in time to qualify for more.

30. Scoppe Loan.

To access the credit, login using your Facebook or Google account, scan your National ID or passport and input your phone number, then apply for the loan.

Your loan will be processed upon accepting the terms and conditions.

31. Jumbo Pesa Loan App.

JumboPesa Plus is a simple, entirely , leading lending platform that provides short-term loans services in Kenya.

You can apply for a JumboPesa Plus loan – 24 hours a day,7 days a week and know your credit status within a few minutes.

How to Apply for the JumboPesa Loan.

• Download the app on playstore then sign up with a valid mpesa number.
• Apply for a quick loan.
• Get cash loan straight into your M-Pesa.
• Build loan limit up to 50,000 Ksh by keeping loan payments on time.

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