Cash Loan
Hanis Capital Mobile Loan
Hanis Capital
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
Varies
Loan Amount
Ksh 1,000 - Ksh 75,000
Approval Time
Same day for most applications
Processing Fee
KshNaN
Rating Breakdown
5★
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4★
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1★
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Total: 0 Reviews
Pros & Cons
Pros
- Offers financial literacy resources for first-time borrowers
- Quick turnaround — funds on M-Pesa within minutes
- Accessible even with a basic smartphone
Cons
- Daily late-fee compounding can accumulate fast
- Late payment reported to all three CRBs (Metropol, TransUnion, CreditInfo)
- Mainly Nairobi-focused; limited regional reach
Expert Analysis
Hanis Capital is a CBK-licensed Digital Credit Provider, licensed in 2025. The lender serves Kenya's digital-credit market under the 2022 CBK DCP regime. Hanis Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees.
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Product Details
Features
- CBK-licensed Digital Credit Provider since 2025
- Paperless application — no paperwork to print
- WhatsApp customer support channel
- M-Pesa STK push for one-tap repayment
- No collateral required for first-time loans
- Business loans available for registered SMEs
- Transparent total cost disclosure before acceptance
Eligibility Requirements
Age: 18 - 65 years
0Employment: Any
Required Documents
- National ID
- Smartphone with internet
- M-Pesa account
Repayment Options
M-Pesa
Ready to Apply?
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