How to Apply for M-Fanisi Loan on Airtel or Safaricom Line

M-Fanisi loan is a mobile money product from Maisha Microfinance bank available to both MPesa and Airtel Money subscribers in Kenya. You can register and apply for M-Fanisi loan through the M-Fanisi app or by dialing *222# or Airtel Money line or *281# M-Fanisi USSD for MPesa users.

M-Fanisi loans are available for periods between 7  to 30 days and interest rates range between 4 and 10 % respectively, exclusive of excise duty.

See also: How to Register and Apply for Airtel Money Loans

You can borrow as little as Ksh. 100 and grow your limit to over Ksh. 25,000 provided you meet M-Fanisi loan minimum requirements.

Mfanisi loan on Airtel Money

How to Register and Activate

MPesa Users

  1. Dial *281# from MPesa enabled line
  2. Agree to terms and conditions by selecting Register
  3. Enter your National ID number
  4. Enter your name as it appears on your ID
  5. Confirm your details and select Confirm
  6. You will receive a notification after a while from M-Fansi about the status.

MPesa users may be required to set M-Fanisi PIN either through the M-Fanisi mobile app or USSD *281# after account activation.

Airtel Money Users

  1. Dial*222# and select Loans and Savings
  2. Select M-Fanisi
  3. Accept terms  and conditions
  4. Enter your ID Number and complete the registration with your Airtel Money PIN
  5. Wait for a response from M-Fanisi.
Read Also:   List of KCB Bank Branches in Kenya and Their Contacts

How to Apply for M-Fanisi Loan

For Airtel Money users:

  1. Dial USSD *222# and select Loans and Savings
  2. Select the option M-Fanisi
  3. Enter Amount
  4. Enter your Airtel Money PIN
  5. You will receive the loan amount directly in your Airtel Money account.

For MPesa users, follow these simple steps:

  • Dial *281# or use the M-Fanisi mobile app
  • Select Loans
  • Select Request loan
  • Enter the amount and select a period
  • Complete by entering your M-Fanisi PIN.

How to Pay M-Fanisi Loan

You can repay M-Fanisi loan from your M-Fanisi account or MPesa or Airtel Money account using *222# for Airtel Money transactions or *281# for MPesa.

M-Fanisi is so silent on their Lipa na MPesa paybill number. Somewhere on their Facebook page, it is given as 499555.

Disclaimer: Confirm any information with M-Fanisi customer care before doing any serious transactions. We are not accountable for any losses you might incur.

M-Fanisi Contacts

You can contact M-Fanisi customer care on 0709567000 or email: or chat via the website at