Fast, Reliable Digital Loans in Kenya
Whether you need emergency funds, business capital, school fees, or money for personal expenses, our easy online application process ensures you get the financial support you need within minutes.
Special Offer New
Join our Referral Program and win up to KSh 10,000 for each successful referral!
Why Choose Kiwa Credit?
Experience hassle-free digital lending designed for your needs
Instant Loan Disbursement
Receive funds directly to your M-Pesa in minutes.
No Collateral Required
Access loans without security or lengthy paperwork.
Flexible Repayment Options
Choose a repayment plan that suits your budget.
Transparent Pricing
No hidden charges; clear loan terms and conditions.
24/7 Accessibility
Apply anytime, anywhere via our mobile-friendly platform.
Credit Building
Responsible borrowing improves your credit score for higher future limits.
Get a Loan in 3 Simple Steps
Download & Register
Get the Kiwa Credit App from the Google Play Store or apply via USSD.
Register with your mobile number and complete a quick verification process.
Apply for a Loan
Select your desired loan amount (from KSh 1,000 to KSh 50,000).
Submit your application—no paperwork or long queues!
Receive Funds Instantly
Once approved, your loan is sent to your M-Pesa account within minutes.
Repay on your next payday or in flexible installments.
Loan Products We Offer
Business Loans
Boost your SME or side hustle with working capital for inventory, equipment, or expansion.
Learn MorePersonal Loans
Cover school fees, home repairs, weddings, or any personal financial needs.
Learn MoreSalary Advance
Access a portion of your salary before payday to manage short-term cash flow.
Learn MoreEligibility Requirements
Basic Requirements
- Be a Kenyan citizen or resident
- Be 18+ years old with a valid National ID
- Have an active M-Pesa account
- Provide proof of income (for higher loan limits)
Repayment Options
- Flexible repayment via M-Pesa or bank transfer
- Optional automatic salary deductions
- Extendable repayment periods available
- Early repayment discounts on interest
Frequently Asked Questions
As a first-time borrower, you can access loans from KSh 1,000 up to KSh 10,000. Over time, as you build a positive repayment history with us, your loan limit can increase up to KSh 50,000.
Our loan processing is automated and typically takes just minutes after application. Most approved loans are disbursed to your M-Pesa account within 5-10 minutes, depending on network conditions.
Our interest rates range from 7.5% to 15% per month, depending on your loan amount and credit score. We have a one-time processing fee of 5% of the loan amount. All fees and charges are transparently communicated before you confirm your loan.
We understand that financial difficulties can arise. If you anticipate problems with repayment, please contact our customer service team at least 48 hours before your due date. Late repayments may attract additional fees and affect your future borrowing capacity.
Your loan limit increases automatically based on your repayment history. Timely repayments of multiple loans will gradually increase your borrowing capacity. You can also provide proof of regular income to qualify for higher loan amounts.
Get Started With Kiwa Credit Today
Download our app or dial our USSD code to access fast loans whenever you need them.
Apply For a Loan Now