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Haki Money loan app 2022: APK Download, Contacts, Paybill


Haki Money loan app is a lending platform that offers instant personal loans ranging between KSH. 10,000 and KSH. 300,000. Haki Money loan app was released on 10th September 2022 making it one of the newest lending apps in Kenya.

The app has however been received warmly by the customers receiving over 10,000 downloads in less than three years and 4.7 stars rating in google play store.

Click on this link to download the app.

Read also: Bayes loan app 2022. Read all you need to know about the newest loan app in Kenya Bayes loan app.

Read also: Stawika loan app 2022. How to borrow up to KSH. 50,000 instantly on Stawika loan app.

Haki Money loan amount

Haki loan offer instant loans ranging between KSH. 10,000 and KSH. 300,000. This is the highest loan offered by similar lending apps in Kenya.

Haki money loan repayment period

Haki Money loan app gives customers between 3 months and 24 months to repay their loans. One can take around 2 years repaying their loan.

his is a long repayment period compared to other apps that gives customers only 1 year or less to repay their loans.

Haki Money loan app APR

Haki loan app charges an Annual percentage rate (APR) of between 3.5% and 12%. The rate one will pay depend on the repayment period one will settle on.

Haki Money loan app processing fee

Haki Money loan app charges a processing fee ranging between 1% of the principle to 3% of the principle. The processing fee one will pay depend on their credit history with Haki Money app, the amount they borrow, their repayment fee and other factors.

Haki Money late repayment fee

Haki loan app charges 0.1% late fee penalty per day. This fee can only accrue to 18% of the amount overdue.

For example if you have no paid KSH. 1,000 out of the total amount you borrowed from Haki Money, the amount will increase by KSH. 1 everyday and finally stop when it reaches 18% of the amount which is KSH. 180.

Other fees charged by Haki Money loan app

Haki money does not cjarge any hidden fee or transaction cost. The above fees are the only ones that will be charged when you borrow your loan.

Haky Money loan example

For example if you borrow KSH. 50,000 from the app, This is the total amount of money you will have to pay at the end of the day.

KSH. 50,000 to be paid in 120 days attracts an APR of 12% per annum
Total Interest fee will be calculated as follows 50,000 x 12% / 365 x 120 = KSH. 1972.6
The loan will attract a processing fee of 2%. The following is the calculation of the total processing fee = 50,000 x 2% = KSH. 1000

The total loan amount disbursed to your account will be calculated as follows  KSH49,000 (50,000 – 1000)
The total loan amount to repay will be KSH50,000
Your loan repayment will be in four months with Monthly repayments of KSH12,500 (50,000 / 4 months)

Benefits of Haki Money loan app

  • Haki loan app gives loans of up to KSH. 300,000 which is the highest loan amount a lending app can offer.
  • Haki Money gives customers up to 48 months to repay their loans. This is a whole two years
  • Loan is disbursed within 48 hours after approval
  • No hidden fee charged by the app
  • The loan is disbursed to your bank. This is not like other apps that disburse the amount to your M-Pesa making it subject to Fuliza deduction.

Haki Money loan eligibility

  • You must be a Kenyan resident
  • You must have a valid bank account
  • You must be 18 years and above
  • You must have valid documents such as ID, bank statement etc
  • You should have a source of income

Haki Money loan app paybill number

Haki loan is yet to launch a paybill number. You can however make the transactions through the app using M-Pesa express option available in the app.

Haki money customer care contacts

Company name: Vibhere Finance Pvt Ltd


Mobile number: +254 758576852

Physical address: Ogilgei market,MXWQ+G5H, Nakuru, Kenya


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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  1. I want to borrow cash from haki loan service because I want start small business owner

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