Get instant loans without internet. Complete list of all USSD codes for mobile loans in Kenya.
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.
Access M-Shwari savings and loans
Overdraft facility for M-Pesa
KCB loans via M-Pesa
Equity Bank mobile loan
ABSA mobile banking and loans
| 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 |
Open your phone dialer and type the USSD code (e.g., *234# for M-Shwari). Press the call button.
Follow the on-screen prompts. Select "Loans" or equivalent option from the menu.
Enter your desired loan amount. Review terms and confirm your application.
If approved, funds are sent directly to your M-Pesa or bank account within seconds.
✓ 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