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🇰🇪 KWA KIBURI WA KENYA

Mikopo ya Simu nchini Kenya

Linganisha M-Pesa loans, M-Shwari, Fuliza, na instant lending apps. Pata pesa kwa dakika.

|Ilithibitishwa mwisho: Jan 14, 2026

Kuna 7 mikopo ya simu zinazopatikana nchini Kenya na viwango vya riba kuanzia 7.5% hadi 7.5% kwa mwaka. Kiasi cha mkopo kinaanzia KES 1 hadi KES 1,000,000. PesaMarket husasisha data hii mara kwa mara.

Orodha ya watoa-mikopo imethibitishwa dhidi ya CBK Directory of Licensed Digital Credit Providers tarehe 14/01/2026.

Inaonyesha 7 kati ya 7 bidhaa

Business cash flow emergencies

Fuliza Biashara Overdraft

Safaricom M-Pesa

≈ gharama ya mwaka (makadirio)
Inatofautiana
kwa mwaka
Kiasi cha Juu
KES 100K
Muda wa Uidhinishaji
Instant
Ada ya Usindikaji
Hakuna
  • Instant overdraft facility for businesses
  • Complete transactions even with insufficient balance
Omba Sasa
Emergency situations

Fuliza M-Pesa

Safaricom M-Pesa

≈ gharama ya mwaka (makadirio)
Inatofautiana
kwa mwaka
Kiasi cha Juu
KES 100K
Muda wa Uidhinishaji
Instant
Ada ya Usindikaji
Hakuna
  • Overdraft facility - complete transactions even with zero balance
  • Automatic activation for eligible M-Pesa users
Omba Sasa
Active M-Pesa users

KCB M-Pesa Loan

Kenya Commercial Bank

Status unverified
≈ gharama ya mwaka (makadirio)
109%
kwa mwaka
Kiasi cha Juu
KES 1000K
Muda wa Uidhinishaji
Instant (0-30 seconds)
Ada ya Usindikaji
0
  • Instant approval and disbursement
  • Loans from KES 50 to KES 1 million
Omba Sasa
Emergency cash needs

M-Shwari Loan

Safaricom M-Pesa

≈ gharama ya mwaka (makadirio)
110%
kwa mwaka
Kiasi cha Juu
KES 1000K
Muda wa Uidhinishaji
Instant (0-30 seconds)
Ada ya Usindikaji
Hakuna
  • Instant approval - get loan in seconds
  • No paperwork required
Omba Sasa
Emergency cash needs

M-Shwari Loan

Safaricom M-Pesa (powered by NCBA)

Kiwango cha Riba
Kiwango cha wastani
90%
kwa mwaka
Kiasi cha Juu
KES 1000K
Muda wa Uidhinishaji
Instant
Ada ya Usindikaji
Hakuna
  • Instant loan approval and disbursement
  • Apply via M-Pesa menu (*234#)
Omba Sasa
Micro-businesses working capital

Taasi Pochi Business Loan

Safaricom M-Pesa

≈ gharama ya mwaka (makadirio)
78-201%
kwa mwaka
Kiasi cha Juu
KES 150K
Muda wa Uidhinishaji
Instant
Ada ya Usindikaji
Hakuna
  • Low interest rate (0.5-1% monthly)
  • Based on Pochi transaction volumes
Omba Sasa
Small business working capital

Taasi Till Business Loan

Safaricom M-Pesa

≈ gharama ya mwaka (makadirio)
158-176%
kwa mwaka
Kiasi cha Juu
KES 250K
Muda wa Uidhinishaji
Instant
Ada ya Usindikaji
Hakuna
  • Lowest mobile loan rate (0.5-1% monthly)
  • Based on M-Pesa Till transaction volumes
Omba Sasa

Ushauri wa Mtaalamu

Mobile loan interest rates in Kenya are typically quoted as monthly rates. A 7.5% monthly rate means 90% annualized - always convert to annual for fair comparison.

P
PesaMarket Research Team

Financial Analysis

Una wasiwasi kuhusu CRB?

Wakopeshaji wengi wa simu wana mahitaji nafuu ya CRB. Angalia chaguo zako.

Angalia Chaguo

Tafuta Mobile Money Loans kwa Kaunti

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