Sometimes you are in a fix and you want a simple emergency loan without ever downloading a mobile loan app to get access to their loan services. This article outlines popular mobile loans apps in Kenya which can be accessed through USSD short codes.
One advantage of USSD codes is that they can be used without a smartphone or internet connection. This means you can access mobile loan services from a loan app without having to download the app to your phone.
Read: Zenka Loan App: How to Apply and Repay Loan by App and USSD
Some banks give their customers access to soft loans by means of USSD codes. You only need to open an account with the bank and link your bank account to mobile banking before you start enjoying these mobile loans.
You can also get mobile loans through SMS on some loan apps which have the SMS feature enabled.
List of USSD Codes for Mobile Loan Apps in Kenya
Take note that you will need to register with the loan app or through their USSD first before being granted a loan.
Here is a list of mobile loan apps whose loans can be accessed through USSD codes on Safaricom Sim cards, and some, like M-Fanisi, on Airtel lines:
| Mobile Loan App | Provider (Lender) | USSD Code |
|---|---|---|
| MCo-opCash | Cooperative Bank | *667# |
| Pesa Pap | Family Bank | *325# |
| 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# |
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