Get Instant Loans Upto Ksh. 25,000 Within Minutes

Access loans from Ksh 1,000 to Ksh 50,000 with flexible repayment terms. No collateral needed. 100% online process.

1700+

Happy Customers

Ksh 10k+

Disbursed

24/7

Customer Support

Happy loan customer in Kenya

Why Choose KopaKwetu Kenya

Fast Approval

Get approved within minutes and receive funds directly to your M-Pesa.

Secure Process

Your data is protected with bank-level encryption technology.

Low Rates

Competitive interest rates with no hidden charges.

Flexible Terms

Repayment periods from 7 days to 12 months.

How It Works

1

Complete Application

Fill our simple online form in less than 5 minutes.

2

Instant Approval

Get instant approval decision on your loan request.

3

Receive Funds

Money disbursed directly to your M-Pesa account.

What Our Customers Say

"I needed emergency funds for my mother's hospital bill. KopaKwetu saved me with their fast process. Received Ksh 20,000 in 15 minutes!"

John Mwangi

John Mwangi

Nairobi

"As a small business owner, the flexible repayment terms helped me manage cash flow during tough times. Highly recommended!"

Grace Wanjiku

Grace Wanjiku

Kisumu

"Most transparent loan service I've used in Kenya. No hidden fees and excellent customer service."

David Omondi

David Omondi

Mombasa

Apply for Your Loan Now

Fill in the details below to get started

10,000 Ksh
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Loan Calculator

Loan Amount Ksh 10,000
Interest (5%) Ksh 500
Processing Fee Ksh 100
Total Repayment Ksh 10,600

Estimated Monthly Repayment

Ksh 10,600 (1 month term)

Application Submitted Successfully!

Your loan application has been received and is being processed. You'll receive an SMS confirmation shortly.

Reference Number: QCK-78945612
Loan Amount: Ksh 10,000
Repayment Period: 30 days
Expected Disbursement: Within 15 minutes

Need help? Contact our support team:

Frequently Asked Questions

To qualify for a loan, you must:

  • Be a Kenyan citizen aged 18-65 years
  • Have a valid National ID
  • Have an active M-Pesa account registered in your name
  • Have a reliable source of income

Once approved, loans are typically disbursed within 15 minutes to your M-Pesa account. During peak times or if additional verification is needed, it may take up to 2 hours.

Our interest rates range from 3% to 10% depending on loan amount, repayment period, and your credit assessment. There are no hidden charges.

Yes, you can repay your loan early without any penalties. Early repayment may even improve your credit score with us for future loans.