Instant loans in Kenya, disbursed to M-Pesa
When a supplier wants paying today or stock has to be replaced before the weekend, the useful question is not what a loan costs over a year — it is whether the money arrives in time and what you repay in shillings.
What "instant" honestly means here
Applications submitted during working hours are typically reviewed and disbursed the same day. A loan officer calls to confirm your details — that call is the step most people forget to answer, and it is the most common reason an application stalls.
What you need before applying
Your national ID number, an M-Pesa registered phone number in your own name, and a business or income record of at least six months. Having those ready is the difference between same-day and next-week.
Instant does not mean hidden
The full cost is stated before you accept: 30% for a 30-day cycle on business and boda loans (21% if repaid within 21 days), 10% on agricultural group loans, plus a one-off KSh 500 registration fee that is never deducted from the amount you receive.
Loan terms at a glance
| Product | Who it is for | Rate (30-day cycle) |
|---|---|---|
| Shaba | Individual business owners | 30% · 21% if repaid by day 21 |
| Shaba Kilimo | Women & youth farmer groups | 10% flat |
| Shaba Rider | Boda boda riders | 30% · 21% if repaid by day 21 |
All products: KSh 5,000–100,000 · unsecured · one-off KSh 500 registration fee, never deducted from the loan · disbursed to M-Pesa · repaid via Paybill 4106969.
Apply now