Mobile Money Loans in Kenya
Compare M-Pesa loans, M-Shwari, Fuliza, and instant mobile lending apps. Get cash in minutes.
There are 7 mobile money loans available in Kenya with interest rates from 7.5% to 7.5% per annum. Amounts range from KES 1 to KES 1,000,000. PesaMarket updates this data regularly.
Provider list verified against the CBK Directory of Licensed Digital Credit Providers as of 14/01/2026.
Showing 7 of 7 products
Fuliza Biashara Overdraft
Safaricom M-Pesa
- Instant overdraft facility for businesses
- Complete transactions even with insufficient balance
Fuliza M-Pesa
Safaricom M-Pesa
- Overdraft facility - complete transactions even with zero balance
- Automatic activation for eligible M-Pesa users
KCB M-Pesa Loan
Kenya Commercial Bank
- Instant approval and disbursement
- Loans from KES 50 to KES 1 million
M-Shwari Loan
Safaricom M-Pesa
- Instant approval - get loan in seconds
- No paperwork required
M-Shwari Loan
Safaricom M-Pesa (powered by NCBA)
- Instant loan approval and disbursement
- Apply via M-Pesa menu (*234#)
Taasi Pochi Business Loan
Safaricom M-Pesa
- Low interest rate (0.5-1% monthly)
- Based on Pochi transaction volumes
Taasi Till Business Loan
Safaricom M-Pesa
- Lowest mobile loan rate (0.5-1% monthly)
- Based on M-Pesa Till transaction volumes
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Expert Advice
“Mobile loan interest rates in Kenya are typically quoted as monthly rates. A 7.5% monthly rate means 90% annualized - always convert to annual for fair comparison.”
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