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🇰đŸ‡Ē 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 0.5% hadi 8.88% kwa mwezi. Kiasi cha mkopo kinaanzia KES 1 hadi KES 1,000,000. PesaMarket husasisha data hii mara kwa mara.

Inaonyesha 7 kati ya 7 bidhaa

⭐ Business cash flow emergencies

Fuliza Biashara Overdraft

Safaricom M-Pesa

Kiwango cha Riba
79% chini ya wastani
1.5% - 1.5%
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

Kiwango cha Riba
85% chini ya wastani
1.083%
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

Kiwango cha Riba
27% juu ya wastani
8.88%
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

Kiwango cha Riba
Kiwango cha wastani
7.5%
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
7.5% - 7.5%
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

Kiwango cha Riba
93% chini ya wastani
0.5% - 1%
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

Kiwango cha Riba
93% chini ya wastani
0.5% - 1%
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

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