Fast and Instant Mobile Loans Direct to MPesa
Get approved in minutes. Receive funds directly to your MPesa wallet with loans up to Ksh 50,000.
Personal Loan
Amount
KSh 50,000
Why Choose M-Kopo?
We provide the fastest and most convenient way to access loans in Kenya, with direct disbursement to your MPesa wallet.
Quick Approval
Get your loan approved in minutes, not days. Our automated system works 24/7.
MPesa Integration
Receive your loan directly to your MPesa wallet instantly after approval.
Secure & Trusted
Your data is encrypted and protected. We are regulated by the Central Bank of Kenya.
No Paperwork
Everything is digital. No need to visit any office or fill out physical forms.
Our Loan Options
Choose the loan that fits your needs. We offer flexible terms and competitive rates.
Personal Loans
Our personal loans are perfect for your everyday needs, from bill payments to personal projects.
Loan Amount
Ksh 1,000 - 50,000
Repayment Period
7 - 30 days
Interest Rate
7.5% per month
- No collateral required
- Quick processing time
- Flexible repayment options
Calculate Your Loan
Use our loan calculator to see how much you can borrow and what your repayments will be. Adjust the sliders to find a loan that suits your needs.
Transparent Pricing
No hidden fees or charges. What you see is what you pay.
Flexible Terms
Choose a repayment period that works for you.
Important Note
A small processing fee is required before loan disbursement.
Loan Summary
A processing fee is required before loan disbursement. This amount is not deducted from your loan but paid separately via MPesa.
How It Works
Getting a loan with M-Kopo is quick and easy. Follow these simple steps to get your funds.
Register & Apply
Create an account, verify your identity, and submit your loan application in minutes.
Pay Processing Fee
Upon approval, pay a small processing fee via MPesa to complete your loan request.
Receive Funds
Get your loan disbursed directly to your MPesa wallet instantly after fee payment.
What Our Customers Say
Don't just take our word for it. See what our satisfied customers have to say about M-Kopo.
John Kamau
Nairobi
"The loan was in my MPesa within minutes! Perfect for my emergency medical bill."
Mary Wanjiku
Mombasa
"As a small business owner, I needed quick cash for inventory. M-Kopo delivered when I needed it most."
Peter Odhiambo
Kisumu
"The application process was simple and fast. I've used them multiple times now."
Frequently Asked Questions
Find answers to common questions about our loan services.
First-time users can borrow between Ksh 1,000 to Ksh 5,000. As you build your credit history with us, your loan limit will increase.
The processing fee covers our administrative costs, identity verification, and risk assessment processes. It's a small percentage of your loan amount.
After paying the processing fee, your loan is disbursed to your MPesa instantly. The entire process from application to receiving funds typically takes less than 15 minutes.
We understand that circumstances can change. Contact our customer support team to discuss extending your repayment period. Late payments may incur additional fees.
Yes, we use bank-level encryption to protect your personal and financial information. We never share your data with third parties without your consent.
Ready to Get Your Instant Loan?
Join thousands of satisfied customers who have received instant loans through M-Kopo. Apply now and get your money in minutes!
Apply NowLicensed and regulated by the Central Bank of Kenya
All loans are subject to our terms and conditions