Sometimes you are in a fix and you want an instant emergency loan without having to download the mobile loan app. Some loan apps in Kenya offer the advantage of USSD codes, which can be used even without a smartphone or internet connection. This means you can apply for a mobile loan on a kabambe phone without even downloading the app.
Most mobile loan apps in Kenya that have USSD codes are mostly available on Safaricom SIM cards, with a few like M-Fanisi, can also be accessed on Airtel lines. You can also access some mobile loans through SMS on loan apps that have the SMS feature enabled.
Some banks give their customers access to soft loans using USSD codes. You only need to open an account with the bank and link your bank account to mobile banking before you can start enjoying these mobile loans.
Read: Zenka Loan App: How to Apply and Repay Loan by App and USSD
Here are USSD Codes for Mobile Loan Apps in Kenya:
| Mobile Loan App | Provider (Lender) | USSD Code |
|---|---|---|
| MCo-opCash | Cooperative Bank | *667# |
| Pesa Pap | Family Bank | *325# |
| KCB Mobi | KCB Bank | *522# |
| KCB Mpesa | KCB Bank | *844# |
| Pesa Pata | Paddy Micro Investments | *269# |
| NCBA Loop | NCBA Bank | *654# |
| Timiza | Barclays Banks | *848# |
| Zenka | Zenka Finance | *483*101# |
| Tala | InVenture Mobile Limited | SMS number 21991 |
| M-Shwari | NCBA Bank | *334# |
| Halal Pesa (Sharia compliant) | Gulf African Bank | *334# |
| Fuliza | Safaricom, KCB, NCBA | *234# |
| Eazzy Loan | Equity Bank | *247# |
| Sotiwa | Sotiwa Ltd | *243*90# |
| Zazipay | MyCredit | *322# |
| Pezesha | Pezesha Africa Ltd | Send “Pezesha” to 22235 |
| Cash Xpress (TSC employees) | Premier Credit | *241# |
| Kopa Doh | Mobile Opulence Ltd | *610# |
| Pesa ChapChap | Faulu Microfinance Bank | *339# |
| ExtendMoney | ExtendMoney Services | *676# |
| HF Whizz | HFC Group | *618# |
| Bayes | Pi Capital Ltd | *879*99# |
| M-Fanisi | Maisha Bank | *281# |
| Kopa Cash (Airtel Money) | Jumo Mobile | *222# or *334# |
| Express (Airtel Money) | Ecobank | *222# or *334# |
| Okoa Sasa (TSC Teachers) | Okoa Sasa | *884# |
| Okoa Mia | OkoaMia Ventures | *628# |
Take note that some loan apps require you to register an account through the app before accessing a loan through the USSD service.
Also read:
- How to Buy Airtel and Telkom Airtime from Safaricom Mpesa
- How to Register and Apply for Airtel Money Loans
- Okash Loan App, Loan Application, Repayment, Interest Rates
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