52 Best Loan Apps in Kenya With USSD Codes And Paybill Numbers

USSD loans

Do you want to borrow or repay a loan in Kenya?

How would you love to use USSD codes to access your lender?

In this post we list 52 best mobile loan apps in Kenya — including banks with USSD codes and paybill number.

Most of these loans are unsecured and instantly sent to Mpesa.

Here’s your complete list of mobile loans issued in Kenya without collateral.Mobile Loan Apps in Kenya

Mobile Banking USSDs and Paybills

BankBank to M-PESA
M-PESA to Bank
(Paybill no.)
KWFT*378# 101200
Bank of Africa (BOA) *987# 972900
Rafiki DTM *366#802200
Housing Finance Company Ltd *231# 100400
Guaranty Trust BankMobile APP910200
Gulf African Bank *399# 985050
Vision Fund Kenya*985# 200555
Post Office Savings Bank *498# 200999
Credit Bank *699# 972700
Prime BankMobile APP982800
ABC Bank Mobile APP 111777
Transnational Bank *862# 862862
IMPERIAL BANK LTD *356# 800100
Musoni *279# 514000
Jamii Bora Bank *344# 529901
K-REP BANK *527# 111999
Ecobank *335# 700201
Equity Bank*247# 247247
Guardian Bank *356# 344501
CFC Stanbic *208# 600100
Diamond Trust Bank (DTB) *385# 516600
Family Bank Ltd *325# 222111
Equatorial Commercial Bank *286# 498100
NIC Bank Limited *488# / APP 488488
I & M Bank Limited *458# 542542
Barclays Bank K LTD *224# 303030
UBA Bank *368# 559900
Standard Chartered Bank*722# 329329
Chase Bank * 275# 552800
Tala LoanMobile Loan APP851900
Timiza Mobile Loan*848#300067
Co-operative Bank *667# 400200
Jazika LoanMobile Loan App 687035
Branch LoanMobile Loan App 998608
Utunzi LoanMobile App800950
Consolidated Bank LTD *262# 508400
Pesa ZoneMobile App754385
Saida LoanMobile App854400
Timiza​​ LoanMobile App300067
Comm. Bank of Africa *654#880100
Stawika​​ LoanMobile App830685
Okoa Mia Loan*628#519608
Okolea LoanMobile Loan App245316
Afri Kash LoanMobile Loan App571485
Haraka Mobile LoanMobile Loan App817910
Shika​​ LoanMobile Loan App811655
KCB *522# 522522
Zidisha LoanMobile Loan App600201
Zenka LoanMobile App979988
National Bank *625# 547700

How to Repay Your Mobile Loan With Mpesa

Repaying mobile loans is easy.

  • Go to your Mpesa Menu
  • Click on Lipa na Mpesa
  • Select Paybill
  • Select paybill number for the lender you are repaying
  • Enter account number (bank account number for loans taken from banks and mobile phone numbers for mobile loans)
  • Enter amount to repay
  • Type your pin and pay

Review of The Best Mobile Loan Apps in Kenya 

Branch loans in Kenya

wow!!..i rate this app 5star ,i download it today,tried it and immediately i was credited with #2000 loan for a start ,no stress,very smooth,cool and easier than every other loan apps online ,Branch is the best !!!… Bob Freeman via Playstore

Tala Loan App Reviews

Honestly I am proud of Tala for its tailor made to suit all clients.what amazed me so much is where when your payment date is due and may be you are not ready to pay(you dont have the cash, Tala gives you another chance by extending the payment day at a fee)thanks Tala family for changing lives… Terry Chep via playstore

Haraka Loan App Review 

First the interest rates are too high. over 1000 ksh interest on a loan of just KES – 3750. Other similar apps and even banks have better rates. Second and worst of all, the loan was approved but it never made it to my mpesa wallet. Yet, the app has already indicated a due date for a loan I never received! I tried calling, but it doesn’t go through. I’ve tried emailing them but got no response! This is so frustrating, either delete the false details of a sent loan or actually send the loan… Ritah Via Playstore 

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