Reviews
Mobile & App Loans Updated: 14. 04. 2026

iPesa Loan – review 2026

3,7 / 5

iPesa is a mobile lending application offering instant loans of between KES 600 and KES 50,000 to Kenyan borrowers based on their M-Pesa transaction history and smartphone data. The app is Android-based and disburses approved loans directly to M-Pesa. iPesa is registered as a digital credit provider under CBK's Digital Credit Providers Regulations 2022.

Pros

  • Loan amounts up to KES 50,000 for qualifying borrowers
  • No guarantor or collateral required
  • Instant M-Pesa disbursement
  • Application takes under 5 minutes
  • CBK-registered digital credit provider

Cons

  • Effective annual rates are high for short-term borrowing
  • Initial loan limits for new users are very low
  • Android-only platform
  • Customer complaints regarding collections have been reported
  • CRB listing on non-repayment

Requirements

  • Kenyan national ID
  • Active M-Pesa account
  • Android device with iPesa app
  • Minimum age of 18 years
  • Regular M-Pesa transaction history

Company information

Name
iPesa Limited
Address
Nairobi, Kenya
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.