How It Works

Getting a loan with FishPesa is fully digital — from registration to disbursement and repayment.

Step 1 — Download & Sign Up

Download the FishPesa app from Google Play. Register using your Safaricom mobile number. We will send a one-time SMS verification code — no password required.

Step 2 — Complete Your Profile (KYC)

To assess your eligibility, we ask you to provide accurate personal information, including:

• Full name, gender and date of birth
• National ID number
• County, address and contact details
• Employment status, monthly income and payday
• Education level and marital status
• Emergency contact (name and phone number you choose)

Please ensure all information is correct — it directly affects your loan review.

Step 3 — Apply for a Loan

Select your preferred loan amount and repayment term. The app displays the interest charge and total repayment amount before you submit. When you tap Apply, you may be asked to grant permissions (such as device information) needed for credit assessment and fraud prevention. Data is collected only after you grant authorization.

Step 4 — Credit Review & Approval

Our system reviews your application based on the information you provide and authorised data sources. You will receive a decision in the app. Approved loan amounts and terms depend on your individual credit assessment — up to KES 50,000 for eligible users.

Step 5 — M-Pesa Disbursement

Once approved, your loan is disbursed directly to your Safaricom M-Pesa mobile wallet. The full loan amount is credited to your account (no upfront deduction of interest).

Step 6 — Repay via M-Pesa

Repay your loan through M-Pesa STK Push in the app. Confirm the payment on your phone with your M-Pesa PIN. Repay on time to increase your credit limit and access better rates.

Loan Extension

If you need more time, you may request a loan extension through the app. Extension fees are displayed before you confirm. Extension payment is also processed via M-Pesa.

Product Summary