How to Qualify for Loans in Kenya via M-PESA

M-PESA has transformed the way Kenyans access quick loans. With services like M-Shwari, KCB M-PESA, and Fuliza, you can get instant credit without visiting a bank. However, qualifying for these loans requires you to meet certain conditions. In this guide, we’ll explain the requirements and share practical tips to increase your chances of approval.

Types of Loans Available on M-PESA

• M-Shwari: A savings and loan service by Safaricom and NCBA Bank. Offers loans from as little as Ksh 100.
• KCB M-PESA: A partnership between Safaricom and KCB Bank. Offers higher limits depending on your usage and savings.
• Fuliza: An overdraft facility that lets you complete M-PESA transactions even when your balance is low.

Requirements to Qualify for M-PESA Loans

1. Active M-PESA Usage: Regularly use M-PESA for sending, receiving, and making payments.
2. Registered Safaricom Line: Your SIM card must be registered under your ID and active for at least 6 months.
3. Good Transaction History: Avoid fraudulent activity or negative records with Safaricom services.
4. Loan Repayment Discipline: Pay back existing loans on time to build a positive credit history.
5. Savings Culture: Save regularly with M-Shwari or KCB M-PESA to grow your loan limit.

Tips to Increase Your Loan Limit

• Use M-PESA frequently for bills, shopping, and transfers.
• Save consistently with M-Shwari or KCB M-PESA accounts.
• Always repay loans before or on the due date.
• Avoid defaulting on Fuliza balances.
• Keep your Safaricom line active and avoid SIM replacement fraud.

Reasons You May Be Disqualified

You may fail to qualify for M-PESA loans if you:

• Have an inactive or recently registered SIM card.
• Defaulted on previous loans.
• Rarely use M-PESA services.
• Have negative records on CRB (Credit Reference Bureau).

Final Thoughts

Qualifying for M-PESA loans in Kenya is simple if you maintain an active line, use M-PESA regularly, save consistently, and repay your loans on time. By following these steps, you’ll not only qualify for loans but also increase your borrowing limit over time.

Disclaimer: Loan qualification is subject to Safaricom and partner banks’ terms and conditions. Borrow responsibly.

We offer sallary Loans contact me Now click Chat me  

check M-PESA Charges in Kenya 2025 (Updated List) — What You Need to Know