📱 USSD Loan Codes Kenya 2026
Get instant loans without internet. Complete list of all USSD codes for mobile loans in Kenya.
What are USSD Loan Codes?
USSD (Unstructured Supplementary Service Data) codes let you access mobile banking and loan services without internet. Simply dial the code on your phone to apply for loans, check balances, and manage your account.
🔥 Most Popular USSD Loan Codes
M-Shwari
*234#Access M-Shwari savings and loans
Fuliza
*234#Overdraft facility for M-Pesa
KCB M-Pesa
*844#KCB loans via M-Pesa
Eazzy Loan
*247#Equity Bank mobile loan
Timiza
*848#ABSA mobile banking and loans
📋 Complete USSD Codes List
| Provider | USSD Code | Network | Max Loan | Speed |
|---|---|---|---|---|
| M-Shwari | *234# | Safaricom | KES 100,000 | Instant |
| Fuliza | *234# | Safaricom | KES 70,000 | Instant |
| KCB M-Pesa | *844# | Safaricom | KES 1,000,000 | Instant |
| M-Coop Cash | *667# | Any | KES 500,000 | Instant |
| Eazzy Loan | *247# | Any | KES 3,000,000 | Instant |
| HF Whizz | *231# | Safaricom | KES 100,000 | Instant |
| Timiza | *848# | Any | KES 150,000 | Instant |
| Stawi | *638# | Safaricom | KES 250,000 | 24 hours |
| Airtel Money | *544# | Airtel | KES 50,000 | Instant |
| KCB | *522# | Any | Varies | Instant |
| Equity | *247# | Any | Varies | Instant |
| Co-op Bank | *667# | Any | Varies | Instant |
| NCBA | *654# | Any | Varies | Instant |
| Stanbic | *276# | Any | Varies | Instant |
| I&M Bank | *458# | Any | Varies | Instant |
| Standard Chartered | *724# | Any | Varies | Instant |
| Family Bank | *325# | Any | Varies | Instant |
📝 How to Use USSD Loan Codes
Dial the Code
Open your phone dialer and type the USSD code (e.g., *234# for M-Shwari). Press the call button.
Navigate the Menu
Follow the on-screen prompts. Select "Loans" or equivalent option from the menu.
Request Loan
Enter your desired loan amount. Review terms and confirm your application.
Receive Funds
If approved, funds are sent directly to your M-Pesa or bank account within seconds.
💡 Tips for USSD Loans
✓ Ensure you have airtime credit (minimum KES 1) to dial USSD codes
✓ Register for the service first (M-Pesa, bank account) before requesting loans
✓ Start with small loan amounts to build your credit limit
✓ Repay on time to avoid penalties and maintain good credit
✓ Check interest rates before borrowing - they vary by provider
✓ Never share your PIN with anyone, even bank staff