M-Pesa loan apps in Kenya

M-Pesa loan apps pay to and collect from your M-Pesa account. Know the process and the cost.

How they pay

Funds arrive in your M-Pesa wallet and are repaid by Paybill or in-app.

Check the fees

Ask about M-Pesa charges on repayment as well as the loan fee.

Want offers from verified providers?

Submit one request on ZangCash and compare responses.

Apply on ZangCash

More detail

Read M-Pesa loans in Kenya and M-Pesa charges.

Frequently asked questions

Is approval guaranteed?

No. Each lender decides, and no legitimate lender can guarantee it.

Where can I compare offers?

Submit a request on ZangCash to receive responses from verified providers.

Last updated: October 2026. Loan Apps Kenya is an information website. We are not a lender and do not guarantee loan approval. ZangCash connects customers with independent businesses and providers. Borrow only what you can repay, and check that any lender is licensed by the Central Bank of Kenya (CBK) before you share personal details.