KCB M-Pesa Loan
Kenya Commercial Bank
Last updated: November 14, 2025
Rating Breakdown
Pros & Cons
Pros
- Instant approval (seconds)
- Partnership with KCB and Safaricom - very trusted
- High loan limits up to KES 1M
- Very low interest (7.21% monthly)
- Available directly through M-Pesa
- No paperwork whatsoever
- Free loan insurance
- Loan limit increases with usage
- Easy repayment via M-Pesa
- Available 24/7
Cons
- 30-day repayment only (no flexibility)
- Auto-deduction can drain M-Pesa
- Requires active M-Pesa usage history
- Lower initial limits for new users
- 7.21% monthly = 86.5% APR (high if annualized)
Expert Analysis
KCB M-Pesa combines the convenience of mobile loans with the backing of Kenya's largest bank. Loan amounts up to KES 1 million are possible for established users, far exceeding pure mobile lenders. The 8.64% monthly rate is competitive for mobile loans, and the 30-day to 6-month repayment terms offer more flexibility than M-Shwari. Your limit is determined by KCB M-Pesa account activity, not just M-Pesa usage. The product effectively bridges mobile and traditional banking, offering a path to larger bank loans for those who demonstrate good repayment behavior.
Best For
- Users needing larger mobile loans (KES 100K+)
- Those building credit history for future KCB bank loans
- Business owners needing quick working capital
- Borrowers wanting longer repayment terms than M-Shwari
- KCB customers wanting mobile access to credit
Common Rejection Reasons
- No KCB M-Pesa account (M-Pesa alone not sufficient)
- New KCB M-Pesa account with limited transaction history
- Outstanding KCB M-Pesa loan in arrears
- Low savings balance in KCB M-Pesa account
- Poor repayment history on previous KCB M-Pesa loans
How It Compares
KCB M-Pesa offers higher limits than M-Shwari/Fuliza with longer terms. Against Branch/Tala, it provides larger amounts but requires KCB M-Pesa account setup. The bank backing makes it a stepping stone to traditional banking products.
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Product Details
Features
- Instant approval and disbursement
- Loans from KES 50 to KES 1 million
- Access via M-Pesa menu or *844#
- No paperwork or bank visit
- 30-day repayment period
- Loan limit grows with good repayment
- Available 24/7
- No collateral required
- Automatic qualification based on M-Pesa usage
- Repay via M-Pesa
- Free loan insurance included
- Partnership between KCB and Safaricom
Eligibility Requirements
Required Documents
- Active M-Pesa account
- Regular M-Pesa transactions
- National ID registered on M-Pesa
Repayment Options
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