KCB M-Pesa Micro Loan
4.9
/ 5.0 (Moniest Score)
•
Verified • Central Bank of Kenya (CBK) • Checked Sep 2026
Interest / Fee Rate
8.64%
- 12%
Monthly
Limits / Amounts
KES 1,000,000
Min: KES 100
Tenor / Duration
1 - 6 mo
Flexible repayment
Disbursement Speed
Instant
Direct to account
Key Advantages (Pros)
- Direct disbursement to M-Pesa wallet
- Highest available credit limits up to KES 1M
- Tier-1 commercial bank backing
Considerations & Limits (Cons)
- Requires active Safaricom M-Pesa line for at least 6 months
- One month fixed term on basic micro-loans
Moniest Research Verdict
Our In-Depth Evaluation
The most trusted and widely accessible mobile loan in Kenya.
KCB M-Pesa is Kenya’s benchmark mobile lending solution. Accessible directly via M-Pesa SIM menu and Safaricom App, it offers immediate liquidity with reliable CBK regulatory compliance.
Best suited for: Kenyan mobile subscribers and SME merchants
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