Mobile Money Loan
M-Shwari Loan
Safaricom M-Pesa (powered by NCBA)
Last updated: January 14, 2026
★★★★★
0/5Based on 0 Reviews
Interest Rate
7.5% - 7.5% p.a.
Loan Amount
Ksh 100 - Ksh 1,000,000
Approval Time
Instant
Processing Fee
None
Rating Breakdown
5★
(0)
4★
(0)
3★
(0)
2★
(0)
1★
(0)
Total: 0 Reviews
Pros & Cons
Pros
- Instant disbursement
- No paperwork required
- Available 24/7 via M-Pesa
- No processing fees
- Loan limit increases with use
- Integrated savings account with interest
Cons
- High interest rate (7.5% monthly)
- Short repayment period (30 days)
- Lower initial loan limits
- Requires active M-Pesa usage history
Customer Reviews
Share Your Experience
Product Details
Features
- Instant loan approval and disbursement
- Apply via M-Pesa menu (*234#)
- No paperwork or branch visits required
- Loan limit increases with good repayment history
- Integrated savings account (M-Shwari Lock Savings)
- Earn interest on savings (up to 7% p.a.)
- 24/7 availability
- Automatic repayment from M-Pesa
- Over KES 167 billion disbursed to date
Eligibility Requirements
Age: 18 - 70 years
0Employment: Any - no employment restriction
Required Documents
- Valid Kenyan ID
- Registered M-Pesa account
- Active M-Shwari account
Repayment Options
M-Pesa wallet (automatic deduction)Manual payment via M-Pesa menu
Ready to Apply?
Get started with M-Shwari Loan today. Fast approval and competitive rates.
Apply NowApplication takes less than 10 minutes
You Might Also Like
Why Trust Our Reviews?
- Verified customer reviews only
- Independent ratings and analysis
- Regularly updated product information
- Transparent review methodology