Reliable Loans to M-PESA in Kenya

Your 24/7 mobile finance provider

Our advantages

Quick and convenient application process

iPesa is a loan app that offers quick and easy access to loans for individuals in need of financial assistance. Our service advantages include

Flexible repayment terms
Competitive interest rates
No service fees
High credit limits

Simple steps



Register with your M-Pesa number
Apply for the loan amount you need
Get approved and receive the money



Repay on time to increase your credit limit up to 50,000 Ksh
woman in gray sweater holding smartphone
woman in gray sweater holding smartphone

iPesa offer:

1. Loan Amount: 500 Ksh ~ 50,000 Ksh

2. Loan Term: the shortest tenor is 91 days, the longest is 180 days

3. APR : Minimum 36% to Maximum 72%

4. Service Fee: 0%

5. Loan request: Need to be at least 18 years old or above


If the loan amount is 2500 Ksh, the loan term is 180days, and the APR is 72%, the total service fee should be 2500 Ksh 72%(APR)/2 = 900Ksh. The total amount must be paid: 2500+250072%(APR)/2=KES3400

Repayment Example:

If you choose to make a one-time repayment, then you will make a one-time repayment of KES3400 after 180 days.

If you choose to make monthly repayments, your monthly repayment amount will be KES3400/6 = KES 566.67

Fee Details:

Loan principal: 2500 Ksh (180 days)

Loan fee(total fee of the loan): 900Ksh(=2500 Ksh * 72%(APR)/2)

Total amount payable: KES3400(=2500 Ksh+2500 Ksh * 72%(APR)/2)

APR: 72%

To apply for a loan, you need to follow several steps:

1. Register with your M-Pesa number

2. Apply for the exact loan amount you need

3. Get approved and receive the money

4. Repay on time to get a credit limit of 50,000 Ksh

Loan Information

1. Go to MPESA on your phone and choose Lipa Na MPESA

2. Select paybill and enter the iPesa loan app paybill number 618755

3. Enter your MPESA number (the one you signed up with)as the account number.

4. Input the loan amount to pay, and then your MPESA Pin.

5. Confirm the payment details and tap OK.

How to pay iPesa loan