Timiza by Absa – review 2026
Pros
- Backed by Absa Bank Kenya, a fully CBK-regulated commercial bank
- Combines instant loans with savings and micro-insurance in one app
- Available 24 hours a day with disbursement to M-Pesa or the Timiza wallet
- Existing Absa banking history can support higher loan limits
Cons
- New-to-bank applicants are assessed mainly on M-Pesa history, limiting initial amounts
- Short-tenor loans carry a higher effective cost than longer bank facilities
- Requires a smartphone and active M-Pesa line to apply
Timiza is a mobile banking application operated by Absa Bank Kenya, a commercial bank licensed and supervised by the Central Bank of Kenya (CBK). It provides instant loans alongside savings and micro-insurance products, positioning itself as a digital banking channel rather than a standalone unregulated lending app.
Loan amounts on Timiza typically range from around KES 200 to KES 150,000. Eligibility and the limit offered are determined primarily by the applicant's M-Pesa usage history for new-to-bank customers, while existing Absa banking customers can also have their formal banking history taken into account. The app and its loan facility are available around the clock, with approved funds disbursed to M-Pesa or the in-app Timiza wallet.
Fees and Eligibility
Because Timiza is an Absa product, it is subject to CBK banking disclosure rules on the cost of credit. Borrowers should review the interest and any facilitation charges shown in the app before accepting an offer, and should note that, as with other short-tenor mobile loans, the effective annualised cost is higher than a standard multi-year bank personal loan.
Requirements
- National ID
- Registered M-Pesa line
- Minimum age 18 years
- Smartphone with the Timiza app installed
- M-Pesa or Absa banking transaction history
Provider contacts
- Name
- Absa Bank Kenya Limited
- Address
- Absa Towers, Loita Street, P.O. Box 30120-00100, Nairobi, Kenya
- Reg. number
- CBK/BL/0002
- Website
- https://timiza.absa.co.ke
- Online application
- Apply now →
- Regulator
- Central Bank of Kenya (CBK)
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.