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M-Kopa Loans

Affordable Digital Lending for Africa

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Affordable Loans,
Your Way.

From KES 5,000 to 500,000 — personal, business, emergency & education loans with fast mobile money disbursement.

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How It Works

Your journey to getting a loan in 4 simple steps

1

Sign Up

Create your free account with email and phone number

2

Complete KYC

Upload your National ID or Passport for verification

3

Get Loan Limit

Admin reviews your KYC and assigns a loan limit

4

Apply & Pay Fee

Apply for a loan and pay activation fee via STK push

Loan Products

Choose the loan that fits your needs

👤

Personal Loan

12.5% p.a.

KES 5,000 – 500,000

Apply
🏢

Business Loan

15% p.a.

KES 5,000 – 500,000

Apply
🚨

Emergency Loan

18% p.a.

KES 5,000 – 500,000

Apply
🎓

Education Loan

10% p.a.

KES 5,000 – 500,000

Apply
🚗

Asset Financing

14% p.a.

KES 5,000 – 500,000

Apply
15,000+
Customers Served
KES 2B+
Loans Disbursed
24hrs
Average Approval
98%
Satisfaction Rate

Ready to Get Started?

Create your free account and apply for a loan in minutes. No paperwork, no branch visits.

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