KCB MPESA Loan account is a mobile based account offered exclusively to MPESA customers enabling you to:

  • Access Mpesa loans at attractive low interest rates of 1.16% per month with a one off negotiation fee of 2.5%. The cost for the one month loan is 3.66% with excise duty applicable on fees.
  • Save for a fixed period of time (Fixed Deposit Account) or save a little at a time for a set period (Target Savings Account) and earn interest of up to 7% p.a.
  • Transfer money in and out of the KCB MPESA LOAN Account for FREE.

KCB Loan Application

  • You can apply for the KCB Loan by accessing your Safaricom MPESA menu on your phone.
  • Once on the menu select Loans and Savings
  • There after select KCB MPESA and Activate.


  • Upon activating the account, you will be issued with a loan limit from where you can borrow instantly. MPESA Loans issued are deposited into the KCB MPESA LOAN Account.
  • You can access loan limits from as low as Ksh. 50 up to Ksh. 1M.
  • Enjoy loan repayment periods of 30 days.
  • Loan repayment can be made through MPESA or from the KCB MPESA LOAN account.

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