Mobile Money Loan

KCB M-Pesa Loan

Kenya Commercial Bank

Last updated: November 14, 2025

★★★★★

0/5

Based on 0 reviews

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Interest Rate

8.88% p.a.

Loan Amount

Ksh 50 - Ksh 1,000,000

Approval Time

Instant (0-30 seconds)

Processing Fee

Ksh 0

Rating Breakdown

5★

(0)

4★

(0)

3★

(0)

2★

(0)

1★

(0)

Total: 0 reviews

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)

Customer Reviews

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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

Age: 18 - 70 years

Employment: Employed, Self-employed, Business owner, Unemployed with M-Pesa activity

Required Documents

Active M-Pesa account
Regular M-Pesa transactions
National ID registered on M-Pesa

Repayment Options

M-Pesa wallet (auto-deduction)Manual payment via M-Pesa menuUSSD *844#

Ready to Apply?

Get started with KCB M-Pesa Loan today. Fast approval and competitive rates.

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Application takes less than 10 minutes

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Why Trust Our Reviews?

All reviews are verified and moderated
Real experiences from Kenyan borrowers
Updated regularly with latest feedback

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)

Share Your Experience

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

Age: 18 - 70 years

Employment: Employed, Self-employed, Business owner, Unemployed with M-Pesa activity

Required Documents

Active M-Pesa account
Regular M-Pesa transactions
National ID registered on M-Pesa

Repayment Options

M-Pesa wallet (auto-deduction)Manual payment via M-Pesa menuUSSD *844#

KCB M-Pesa Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

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Why Trust Our Reviews?

KCB M-Pesa Loan

Rating Breakdown

Pros & Cons

Pros

Cons

Customer Reviews

No reviews yet

Share Your Experience

Product Details

Features

Eligibility Requirements

Required Documents

Repayment Options

Ready to Apply?

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Why Trust Our Reviews?