FINANCE » Mobile Loans » Stawika Loan App Download, Apply for Loan, Interest Rate [2024 Updated]

Stawika Loan App Download, Apply for Loan, Interest Rate [2024 Updated]

Stawika loan app download, apply and repay loan.

Stawika loan app is a popular mobile lending app in Kenya. The app offers loans to anyone in Kenya above 18 years old and with an active registered Mpesa line. Once you download and install the Stawika loan app from the Google Play Store, you can register your account in simple steps and swiftly get access to emergency loans within 5 minutes.

You can borrow from as little as Ksh. 500 to a maximum of Ksh. 70,000 with an interest rate ranging from 7% to 21%, depending on the amount borrowed and the repayment period.

If you are an existing Stawika customer, you can borrow or repay your loan through the Stawika USSD  code *872#.

I will show you how to download Stawika app, apply for loan and repay the loan in simple steps. I will also guide you on how to improve your Stawika loan limit.

How to Download Stawika App and Apply for a Loan

Download Stawika loan app and get loan in 5 minutes
Applying for a Stawika loan instant loan within 5 minutes of downloading the app

To download the app, register your details and apply for a loan, follow these simple steps:

  1. Open Google Play Store and search for Stawika loan app
  2. Tap on Install and wait for the app to download and install
  3. Open the app and accept the terms and conditions
  4. Enter your M-Pesa phone number
  5. Next, enter the OTP verification code just sent to the phone number you have given
  6. Set your password or PIN and confirm
  7. Now, key in your details as required (names as on ID card)
  8. Next, enter the next of kin’s phone number
  9. You will be taken to the dashboard screen
  10. Next press the View Loan Limit button
  11. You can now borrow according to your loan limit
  12. The money will be sent directly to the M-Pesa number you provided

You can also apply for the loan by dialing the Stawika loan USSD code *872# and following the instructions given.

How to Repay Stawika Loan

  1. Go to the Safaricom SIM toolkit and select M-Pesa
  2. Select Lipa na M-Pesa
  3. Select Paybill
  4. Enter the Stawika business number 830685
  5. For the Account number, enter the mobile number you used to borrow the loan
  6. Enter the amount you wish to repay
  7. Enter your M-Pesa PIN
  8. Confirm the details and send.

How to Increase Your Stawika Loan Limit

Stawika updates limit award system
Stawika now rewards better limits based on repayment history.

Stawika uses your phone’s data and CRB credit history to determine your loan limit and creditworthiness. To increase your Stawika Loan App limit, you can do the following:

  • Do not delete your mobile payment SMS messages.
  • Repay your loan on time. The earlier, the better.
  • Keep the Stawika mobile application installed on your phone always.
  • Have a good credit history with other creditors.
  • Frequently borrow on Stawika and repay on time. Stawika now rewards good repayment history.
  • Since Stawika reads your M-Pesa messages, keep transacting frequently with M-Pesa by allowing big amounts to flow through your M-Pesa account.

Stawika Customer Care Contacts

You can contact Stawika customer care using any of the following means:

  • Phone Number:  020 7608940
  • Email:
  • Facebook page: @stawika capital
  • Twitter handle: @stawika

You can also use the contact form on Stawika website:

Also Read:

  1. How to Apply for Timiza loan and Pay by Mpesa
  2. How to Apply and Repay Zenka Loan Via App and USSD Code
  3. Branch Loan App, How to Apply Loan, Repay and Interest Rates

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