Money when you need it. Straight to M-Pesa.
NYOTAFUNDS LOANS gives you KES 500 to KES 50,000 for the things that can't wait — school fees, stock for the shop, a medical bill, or an emergency. Apply from your phone, get a decision fast, and repay over 3 – 24 months.
Your loan offer
Eligible for up to KES 50,000
You receive
KES 15,000
Sample figures. Your actual limit and terms depend on your assessment.
From download to M-Pesa in four steps
No paperwork, no queue, no branch visit. Everything happens on your phone.
- 01
Download & register
Install the app from Google Play, sign up with your phone number, and verify it with the code we send you.
- 02
Complete your profile
Tell us a little about your income and what you do. This is what sets your personal loan limit — it only has to be done once.
- 03
Choose your amount
Pick anything from KES 500 up to your limit, and choose a repayment period between 3 – 24 months. You see the full cost before you commit.
- 04
Get it on M-Pesa
Approve the M-Pesa prompt on your phone. Once confirmed, the money is sent to your M-Pesa number.
Built for how Kenyans actually borrow
Borrowing should not be a guessing game. Here is what you get.
Money on M-Pesa, not in a queue
The whole process lives in the app. No printing, no stamping, no travelling to an office to hand in forms.
Amounts that fit real life
KES 500 is enough for an emergency. KES 50,000 is enough for something bigger. You choose inside your own limit.
Repayment you can plan around
Spread the cost over 3 – 24 months. Shorter periods cost less in interest; longer periods keep monthly payments manageable.
Everything shown up front
You see the 12.5% per annum interest and the 2% one-off processing fee before you accept — and the exact total you repay.
Your data stays yours
Your information is used to assess your application, not sold on. Full details are in our Privacy Policy.
Help when you need it
Questions about a payment or your limit? Reach out and we will walk you through it.
No surprises. Here are the numbers.
Before you accept any offer, the app shows you the full cost. These are the figures that apply.
Key product facts
- Loan amount
- KES 500 – KES 50,000
- Repayment period
- 3 – 24 months
- Interest rate
- 12.5% per annum
- Processing fee
- 2% one-off
- Minimum repayment
- 3 months
- Maximum repayment
- 24 months
A customer borrowing KES 15,000.00 over 6 months would receive KES 15,000.00 and repay:
Illustrative only. The amount you are offered, the rate applied, and the total cost depend on your individual assessment. The app always displays your own figures before you confirm.
Please borrow responsibly
A loan is a commitment, not extra income. Only borrow what you can comfortably repay within the period you choose, and repay on time to protect your credit standing. If your circumstances change, contact us early so we can look at your options.
Questions people ask us
Between KES 500 and KES 50,000. The exact limit you are offered is based on the profile you complete in the app, and it is set once — so your limit stays stable.
Ready when you are.
Download NYOTAFUNDS LOANS and see the amount you qualify for. Checking costs you nothing.
NYOTAFUNDS LOANS is available on Android. Borrow responsibly.