Get a fair, fast, and transparent emergency loan to your M-Pesa—decision in minutes, clear pricing upfront, and real human support if you need help.
Apply now and get back what you borrowed. Loan terms:
Online (mobile) loans are short-term credit you request on your phone. After approval, funds arrive directly to your M-Pesa wallet, and you repay from the same wallet on or before the due date. They’re built for urgent needs—think bills due today, small repairs, travel top-ups, or medical gaps—without visiting a branch.
A streamlined request (single form + M-Pesa number) reduces back-and-forth, speeds up approval, and helps you see the exact cost before you tap Accept.
Basic eligibility (ID, age, active M-Pesa)
Most lenders check your phone number, ID, and repayment history. They may review CRB data, mobile usage signals, and M-Pesa activity (frequency, regularity of income, typical balances). Clean repayment behavior increases your limit and approval speed over time.
“Without CRB” usually means the lender does not rely only on CRB records (or accepts thin/no credit files) but still assesses risk using alternative data. It doesn’t mean approvals are guaranteed; timely repayments still matter for future limits.
Some lenders provide USSD menus for checking limits, applying, or repaying. Availability varies; app or web is usually faster and shows full pricing. USSD experiences can be limited (no document upload, fewer plan options).
After you submit, you’ll see an in-app/web status (Under review → Approved → Disbursed). You’ll also receive an M-Pesa SMS on disbursement and scheduled reminders before repayment.
Your Total Cost of Credit (TCC) includes interest and any platform/service fees, shown before you confirm. Extensions (roll-overs) may cost extra and increase TCC—use them sparingly and only if necessary.
Use our calculator: choose amount + days, and you’ll see total cost and due date instantly before you apply.
Online emergency loans in Kenya help you bridge short-term cash gaps fast—useful for school runs, clinic visits, urgent travel, or small but important expenses. Because approvals are quick and typically unsecured, they work well for freelancers, gig workers, and commission earners with irregular income. You can sort everyday needs like fixing a phone or router, handling minor home repairs, and covering family, travel, or medical costs—then repay conveniently once income lands.
We request only the permissions needed to verify identity and assess affordability. Your documents are encrypted; support is available via chat, email, and phone during extended hours.
You’ll receive an M-Pesa receipt SMS and in-account statements showing principal, fees, and due dates—no hidden charges.
Students may qualify if they meet age/income rules; otherwise consider bursaries, scholarships, HELB-type education financing, or family guarantors.
Most mobile loans are unsecured—no title deed or logbook—if your affordability looks sound and ID checks pass.
If you want larger amounts or longer terms (6–36 months) and can wait for processing, bank/SACCO loans often have lower effective rates.
Repay on time (or early), keep your M-Pesa active, and ensure your ID details match. Consistent positive behavior = higher limits.
Keep your phone on, M-Pesa line active, and documents ready. Avoid re-submitting multiple times in one day—one clean application beats many partial attempts.
As your track record improves, you’ll see longer tenors and bigger limits—use them responsibly to preserve your score.
If repayment will force you to miss essentials (rent, food) or you’re already rolling debt month-to-month, pause and consider alternatives.
Use a 50/30/20 budget, build a 1–3 month emergency buffer, and compare SACCO/bank options for larger, planned expenses.
Tap Apply, choose your amount, preview the total cost, and receive funds to M-Pesa—often in minutes.
| Feature | Short-term Mobile Loan (This Site) | Bank/SACCO Personal Loan |
|---|---|---|
| Purpose | Emergencies, small repairs, travel | Larger, planned expenses |
| Amount | KES 1,000–100,000 | KES 50,000–2,000,000+ |
| Decision time | 1–15 minutes | Days to weeks |
| Tenor | 7–90 days | 6–36 months |
| Security | Unsecured | Often secured or guarantor |
| Application | 100% mobile, M-Pesa disbursement | Branch/online, bank account |
| Cost transparency | Total shown before accept | Varies by institution |
Short-term mobile loans sent to your M-Pesa for urgent needs.
1–15 minutes after approval and confirmation.
Yes—unsecured based on ID, income stability, and activity.
Many approve thin/no-file customers using alternative data, but on-time repayment still drives your future limits.
Costs vary by tenor and risk. We show total cost upfront before you accept.
Apply online, confirm the cost, and watch status move to Disbursed; you’ll also receive M-Pesa SMS.
We verify identity, disclose TCC upfront, provide receipts, and offer support channels.
If they meet age/income rules. Otherwise consider education financing options.
Enter amount + days; the tool shows total to repay and due date instantly.
