iPesa Kenya

Compare all 1 products from iPesa Kenya in Kenya. Rates from 36%. Borrow up to Ksh 50,000.

36%

Lowest Rate

Ksh 50,000

Max Amount

Within minutes

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
iPesa Instant Loan	36% - 72%	Ksh 500 - Ksh 50,000	Within minutes	Apply

View all Fast Loans →

iPesa Kenya Pros & Cons

+Pros

✓Quick approval
✓No collateral needed
✓Multiple loan products
✓Good customer support
✓Limit increases quickly

-Cons

✗Higher interest than banks
✗Late repayments incur a fee of 2% per day
✗Low starting limits
✗Must have smartphone

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone
●Active M-Pesa

Expert Analysis

iPesa's website (ipesa.top) names Risine Credit Limited as the company; Risine Credit Limited is a CBK-licensed Digital Credit Provider (licensed March 27, 2023). The site's Terms of Use name a different party, Ipesa TECH LIMITED, which is not in the CBK directory. The site offers loans of KES 500 to KES 50,000 over 91 to 180 days at an APR of 36% to 72% with a 0% service fee; its example is KES 2,500 for 180 days at 72%, costing KES 900. Late repayments incur a fee of 2% per day (FAQ). The Google Play listing linked from the site was not available when checked on September 27, 2026.

Frequently Asked Questions

What interest rates does iPesa Kenya offer?

iPesa Kenya offers interest rates ranging from 36% to 72% across their 1 products. The exact rate depends on the product type, loan amount, and your credit profile.

What loan amounts are available from iPesa Kenya?

iPesa Kenya offers loan amounts from Ksh 500 up to Ksh 50,000 depending on the product and your eligibility.

How fast does iPesa Kenya disburse loans?

The fastest disbursement time from iPesa Kenya is Within minutes. Actual processing time varies by product type and application completeness.

Does iPesa Kenya require CRB clearance?

iPesa Kenya does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.