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Direct cash loan app 2022: Paybill, Download, contacts


Direct cash loan app is a digital lender that offers instant personal loans ranging from KSH. 2,000 to KSH. 50,000.

Direct cash loan app is one of the most reliable mobile lenders in Kenya. Since the app was launched, it has been received positively by customers receiving over 1 million downloads on google play store, a rating of 4.2 stars out of five stars and loads of positive reviews from people who have used this app.

In this article, I will be taking you through everything you should know about this app. I will take you step by step on how to download and install the app, how to borrow loan from this app and how to repay the loan. I will go ahead to answer some of the most asked questions about direct cash loan app in Kenya.

Read more: How to apply for instant loans on Zenka loan app Kenya 2022

Read more: How to borrow instant loan on Cashspree loan app in Kenya 2022

Direct cash loan app in Kenya 2022

How to download Direct cash loan app

To download direct cash loan app, first visit google play store and search for Direct cash loan app. The app will appear first in the search results. Proceed to download and install the app on your phone to start the process of borrowing your first loan. This app is currently available only on google play store and not any other app store.

How to apply for a loan on direct cash loan app

To qualify for a loan on direct cash loan app, you must meet the following requirements;

• Must be 18 years and above

• Must have a national ID or a valid passport

• Must be Kenyan citizen who resides in Kenya

• Must have a clean CRB record

• Must have a smartphone

• Must have a safaricom line with active M-Pesa account

Once you meet the above qualifications, proceed to create a new account on the app by entering your details and validating them by taking pictures of your national ID/passport and taking a selfie to verify if the documents are truly yours.

The verification process will take less than five minutes to complete after which your loan limit will be updated on the app. After the loan limit is updated, state the purpose of the loan (you will be given a list of possible reasons to choose from, try to be as honest as possible). You can proceed to borrow loan of any amount within your loan limit and it will be processed and disbursed to your M-Pesa account within ten two minutes.

You can now proceed to use the amount to do whatever you want as plan to repay the loan before your repayment period elapses.

How to repay Direct cash loan

You can repay Direct cash loan through their app or through their official paybill number. To repay through their paybill, follow this process;

Direct cash loan app paybill number

• Go to M-Pesa menu

• Go to Lipa na M-Pesa

• Go to paybill

• Enter direct cash paybill number which is 4047965

• Enter your phone number as the account number

• Enter your M-Pesa pin to complete the transaction

To repay through the direct credit app, follow this process;

• Log into your app

• Go to my loans option

• Go to pay my loan

• Enter the amount

• Enter your phone number

• A pop up message will appear asking for your M-Pesa pin

• Enter your M-Pesa pin to complete the transaction.

Direct cash interest rate

Direct cash charges interest rates ranging from 0.3% to 20% depending on the payment plan one chooses when borrowing the loan.

Direct cash loan app contacts

Call 0709221906

Call/WhatsApp 0792151151


Google play store

Does Direct cash loan app offer loans to those negatively listed in CRB?

No. Direct cash loan app uses one’s CRB status to judge their credit limit. A negative CRB rating will have a negative impact on one’s credit score and in turn affect their loan limit negatively.


Marion Mwangangi is a Journalism student at Multimedia University of Kenya. Apart from being a student, she is a professional graphic designer, an SEO expert and a video editor. Email:

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