Fast Loan
Milhan Access Capital Quick Loan
Milhan Access Capital
Last updated: April 16, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
Varies
Loan Amount
Ksh 1,000 - Ksh 150,000
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
KshNaN
Rating Breakdown
5★
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1★
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Total: 0 Reviews
Pros & Cons
Pros
- Fast in-app support via live chat
- Well-designed mobile app experience
- Transparent fee disclosure before loan acceptance
Cons
- No walk-in office for in-person support
- Newer entrant — shorter operational track record
- Interest rates can be steep for first-time borrowers
Expert Analysis
Milhan Access 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. Milhan Access 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
- Operates a professional website and digital presence
- Repayment history shared across CRBs to build score
- Multi-language support including regional vernaculars
- Regulated under CBK Digital Credit Providers Regulations 2022
- Group borrowing available for chamas and SACCOs
- 24/7 application availability via app and USSD
- No collateral required for first-time loans
Eligibility Requirements
Age: 18 - 65 years
0Employment: Any
Required Documents
- National ID
- Smartphone with internet
- M-Pesa account
Repayment Options
M-PesaAirtel Money
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