Fast Loans. Simple. Secure.

A trusted loan app for Kenyans — borrow instantly with just your phone.

Get up to KES 50,000 in minutes. Transparent pricing with no hidden fees. Disbursement and repayment via M-Pesa.

Loan Product Information

Clear cost disclosure before you submit. The actual amount is based on your credit assessment.

  • Loan Amount Range: KES 20,000 – 50,000
  • Loan Tenure: 90–180 days
  • Minimum APR: 36%
  • Maximum APR: 36%
  • No hidden fees. All charges are shown before submission.
Loan Amount (KES) Term Interest Disbursement Total Repayment
20,000 90 days 1,795 20,000 (full amount) 21,795
30,000 120 days 3,550 30,000 (full amount) 33,550
50,000 180 days 8,877 50,000 (full amount) 58,877

Representative Example

Loan of KES 50,000 for 180 days

  • Principal: 50,000
  • Loan term: 180 days
  • Annual interest rate: 36%
  • Daily interest rate: 0.098633%
  • Interest calculation: 50,000 × 180 × 0.00098633 = 8,877
  • Total repayment amount: 50,000 + 8,877 = 58,877
  • No hidden fees. All charges are shown in the app before you submit your application.

Actual charges may vary. The app provides a full cost breakdown before you submit.

Why Choose FishPesa

Digital lending designed for everyday Kenyans.

Transparent Pricing

No hidden charges. Interest and total repayment are displayed before you apply.

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M-Pesa Disbursement

Approved loans are sent directly to your Safaricom M-Pesa wallet.

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Data Protection

Industry-standard encryption and compliance with Kenya Data Protection Act, 2019.

Fast & Simple

Register with your phone number, complete KYC, and apply — all from your mobile.

How to Get Started

Download & Register

Install FishPesa and sign up with your Safaricom mobile number via SMS verification.

Complete Your Profile

Fill in your KYC details — national ID, address, employment and income information.

Apply for a Loan

Choose your loan amount and term. Review all costs before submitting your application.

Receive & Repay via M-Pesa

Get funds in your M-Pesa wallet. Repay on time via M-Pesa STK Push to build your credit limit.

Learn More

Get the APP

FishPesa is available on Google Play. Search for FishPesa to download and sign up with your phone.