Please find answers to frequently asked questions that we receive about our products and services. Can't find your answer? We're here to help! Ask one of our advisors at MobiPesa.

  • What is MobiPesa?
  • MobiPesa is Kenya’s most flexible mobile lending platform. We strive to provide financial inclusion for people from all walks of life by leveraging on technology to provide cash loans right on their mobile phones at low and easy repayment schedules. We make it effortless for you to access credit, wherever and whenever you need it. Complete our easy application procedure and you will promptly receive your loan straight into your mobile money wallet. More cash, more life!
  • Which networks does MobiPesa support?
  • In Kenya, we support Safaricom. We hope to expand our coverage in the near future.
  • Do you have any open job vacancies?
  • Thank you for your interest! Kindly follow this link to our careers page to see a list of our current vacancies.
  • Can I call MobiPesa representative?
  • At the moment, we do not provide customer support by phone number or in person. Please send us a message via this form any time, and we will help you resolve whatever issue you may have.
  • What is required to get a MobiPesa loan?
  • MobiPesa makes it easy. To apply, you only need your smart-phone, National ID and Safaricom mobile number. We will also seek your consent to access data on your phone in order ascertain your eligibility.
  • How does MobiPesa determine who to lend to?
  • Data from your phone, including your mobile-phone usage patterns is considered when making the lending decision. This is combined with your MobiPesa repayment records that gradually build a personalized credit score, determining the credit offers you receive.
  • Why was my loan application rejected?
  • If your loan application was not successful, don't worry! It may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and reapply after the period given.
  • How long does the application process take?
  • We strive is to process all loan applications within a few minutes. However, on a case by case basis, the verification process duration may differ.
  • How much can I borrow?
  • Our credit facilities range from Ksh.5000 to Ksh.50,000. If you repay loans as scheduled, you boost your chances to access a higher loan limit.
  • How do you determine how much I can borrow?
  • Your credit amount is determined by a number of factors, including repayment history. If you repay each instalment by its due date, you boost your chances to access larger loan amounts in future. Note that the increase may not always be immediate and that repaying your loan late may result in reduced loan offers.
  • What interest rate will MobiPesa charge me?
  • Rates are determined by several factors, including your MobiPesa repayment records and the cost of lending for us. You are also required to cover any mobile money transaction costs, such as M-PESA charges, associated with loan repayment. Standard SMS and data charges by your mobile service provider may apply.
  • What happens if I repay my loan late?
  • Late repayments will affect your ability to access future or larger loans and it also attracts a rollover fee. If you are very late on your payments, we report to the Credit Reference Bureau (CRB). Negative listing by the CRB may affect your ability to access loans from other lenders.
  • Can I trust MobiPesa with my data?
  • MobiPesa uses exceptional data security and encryption methods to protect the data you share with us as per GDPR regulations. We hold and maintain the data in strictest confidence. We never share your information with third parties unless it is for dedicated business purposes, such as reporting defaulted loans to authorized credit bureaus. We do not sell your data or credit profile.