Mobile Loans Kenya
Instant Cash via M-Pesa
Compare all mobile loan options in Kenya. From M-Pesa integrated loans to dedicated apps - get instant cash without visiting a bank.
Types of Mobile Loans
M-Pesa Integrated Loans
Loans built into M-Pesa menu
- No app download needed
- Instant disbursement
- Familiar interface
Mobile App Loans
Dedicated loan apps
- Higher loan limits
- Build credit history
- Longer repayment
Top Mobile Loan Providers
Fuliza
M-Shwari
KCB M-Pesa
Branch
Tala
Zenka
How to Get a Mobile Loan
Choose Lender
Pick M-Pesa loan or app-based lender
Dial/Download
Use USSD code or download the app
Register
Sign up with your ID and phone number
Apply
Select loan amount and term
Receive
Get money to M-Pesa instantly
Quick USSD Loan Codes
Safaricom menu > M-Pesa > Loans
Automatic M-Pesa overdraft
KCB mobile banking
Business loans via M-Pesa
Benefits of Mobile Loans
Mobile Loans FAQ
What are mobile loans in Kenya?
Mobile loans are instant loans accessed through your mobile phone via M-Pesa, Airtel Money, or dedicated loan apps. They include products like Fuliza, M-Shwari, KCB M-Pesa, Branch, Tala, and Zenka. No bank visit required - everything is done on your phone.
How do I get a mobile loan in Kenya?
To get a mobile loan: 1) Have an active M-Pesa/Airtel Money account, 2) Dial the USSD code or download the loan app, 3) Register with your ID, 4) Request your loan amount, 5) Receive money instantly to your mobile money wallet.
Which mobile loan gives the highest amount in Kenya?
KCB M-Pesa offers up to KES 1 million, Branch offers up to KES 500,000, and Fuliza offers up to KES 70,000. Your limit depends on your mobile money usage history and repayment behavior.
What are the interest rates for mobile loans?
Mobile loan rates vary: Fuliza charges 1.083% daily, M-Shwari 7.5% monthly, KCB M-Pesa 8.64% monthly, Branch 1-21% monthly, and Tala 6-15% monthly. These rates are higher than traditional bank loans.
Are mobile loans safe in Kenya?
Yes, mobile loans from licensed providers are safe. Stick to CBK-licensed lenders like M-Shwari, Fuliza, KCB M-Pesa, Branch, and Tala. Avoid unlicensed apps that may misuse your data or charge excessive fees.
Related Pages
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