Apply online for your first loan – Safe 10 minutes service

Apply for a loan
Apply online for your first loan – Safe 10 minutes service

Top Benefits

Financially Sound

Financially Sound

Quick, user-friendly options available globally. Just one document to start



A direct lender that values responsibility and innovation. We ensure your data's security and help in hard situations



Easy, quick fixes from the comfort of your home. Instant transfer and loan extension opportunities

How to Get a Loan


Submit Your Application via App

Submit an application via our app. Just fill out a simple form.


Decision Pending

Expect a decision in as little as 15 minutes.


Collect Your Money

Secure your funds, generally processed in just one minute.

Download loan app

Client Reviews


Jakobe Duncan

I was amazed by how quick and easy it was to apply for a loan at The process was straightforward and I received the funds in no time!



The customer service at was exceptional. The representatives were friendly and helpful, making the whole experience stress-free.


Dané Van Der Walt

What I appreciated the most about was the transparency in their terms and conditions. I knew exactly what I was getting into, which gave me peace of mind.


Maraliese N.

At, I was pleasantly surprised by the low interest rates they offered. It made borrowing money more affordable and manageable for me.


Jana M.

I have used other loan services in the past, but truly stood out to me because of their efficiency and professionalism. I will definitely be a returning customer!

Submit Your Application via App

Submit an application via our app. Just fill out a simple form.

Download loan app

Online loans in Kenya via M-Pesa

  • Amount 500 KES to 30,000 KES
  • Minimum repayment period 61 days
  • Maximum repayment term 365 days
  • Interest rate 0,01% - 2% per day
  • Decision 5-15 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Kenyans that are currently living in the Kenya
  • What are the requirements National ID, Mobile phone

SMS Loans: Benefits and Usefulness

In Kenya, SMS loans have become a popular financial service for many individuals in need of quick cash. These loans are easily accessible through mobile phones, making them a convenient and efficient way to borrow money in times of financial emergencies.

Convenience and Accessibility

One of the key benefits of SMS loans in Kenya is the convenience and accessibility they offer. With just a few clicks on your mobile phone, you can apply for a loan and receive the funds directly into your mobile money account. This eliminates the need to visit a physical bank branch or fill out lengthy application forms.

Additionally, SMS loans are available 24/7, making them ideal for emergencies that require immediate financial assistance. This accessibility has made SMS loans a popular choice for many Kenyans who need quick and easy access to cash.

  • Access funds anytime, anywhere
  • No need for physical bank visits
  • Quick and easy application process

Quick Approval and Disbursement

Another advantage of SMS loans in Kenya is the quick approval and disbursement process. Unlike traditional bank loans that can take days or even weeks to be approved, SMS loans are typically processed within minutes. This means you can receive the funds you need in a matter of hours, allowing you to address your financial needs promptly.

Furthermore, SMS loans do not require a lengthy credit check or collateral, making them accessible to individuals with varying credit histories. This quick and hassle-free approval process is a major reason why many Kenyans turn to SMS loans for their financial needs.

Flexible Loan Amounts and Repayment Terms

SMS loans in Kenya typically offer flexible loan amounts and repayment terms to suit the individual needs of borrowers. Whether you need a small amount to cover basic expenses or a larger sum for a significant financial obligation, SMS loans can provide you with the funds you require.

  • Choose loan amounts that suit your needs
  • Flexible repayment terms
  • Affordable interest rates

Convenient Loan Management

Another benefit of SMS loans in Kenya is the convenient loan management options they offer. Through your mobile phone, you can easily track your loan status, repayment schedule, and outstanding balance. This transparency and accessibility make it easier for borrowers to stay on top of their loan obligations and avoid any unnecessary fees or penalties.

Furthermore, many SMS loan providers offer automated repayment options, allowing you to schedule repayments directly from your mobile money account. This ensures that you never miss a payment and can effectively manage your loan without any hassle.


SMS loans in Kenya provide a convenient, accessible, and efficient financial solution for individuals in need of quick cash. With benefits such as quick approval, flexible loan amounts, and convenient loan management options, SMS loans have become a popular choice for many Kenyans facing financial emergencies. If you find yourself in need of immediate funds, consider exploring the benefits and usefulness of SMS loans in Kenya.


What are SMS loans?

SMS loans are a type of short-term, small-dollar loan that can be applied for and received through a simple text message on your mobile phone.

How do SMS loans work in Kenya?

In Kenya, you can apply for an SMS loan by sending a text message to a lending company or mobile money provider. Once approved, the loan amount is disbursed directly to your mobile money account.

What are the eligibility requirements for SMS loans in Kenya?

Typically, to qualify for an SMS loan in Kenya, you need to be a Kenyan citizen or resident, have a mobile phone registered in your name, have an active mobile money account, and meet the lender's minimum income requirements.

Are there any fees associated with SMS loans in Kenya?

Yes, there are usually fees and interest charges associated with SMS loans in Kenya. It's important to carefully read and understand the terms and conditions of the loan before applying.

What is the repayment period for SMS loans in Kenya?

The repayment period for SMS loans in Kenya is typically short, ranging from a few days to a few weeks. Some lenders may offer extended repayment terms, but this usually comes with higher fees and interest charges.

Can I apply for multiple SMS loans at the same time in Kenya?

It is not recommended to apply for multiple SMS loans at the same time in Kenya, as this can lead to overborrowing and financial difficulties. It's important to borrow only what you need and can afford to repay.