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Huduma loan app 2023: APK Download, Paybill, Customer care contacts


Huduma loan app is a product of Gypsum Fintech Limited. This is the company behind popular loan apps like the Azimio loan app.

To download Huduma loan app straight from google play store, please click on this link which will redirect you to the app.

Huduma loan app offers instant loans ranging between Ksh. 1,500 and Ksh. 80,000 and the application process is simple, clear, and 100% online.

Huduma loans are personal and security free. This means that one can borrow without having to secure the loan in any way.

Features of Huduma loan app

Low interest rate. Huduma loan app charges a low-interest rate of 0.05% per day. This is equal to 18.25% per year. This interest is low as compared to other loan apps in the country.

24/7 operation. Huduma loan app operates 24 hours a day 7 days a week. This means that one can borrow loans at any time and any week. This is an advantage over some apps that operate only during working days and working hours.

Processes the loan in less than 24 hours. This is however slow as compared to other apps like Tala, Branch, Zenka, Okash, Opesa, iPesa and others that process loans instantly in less than five minutes.

Huduma loan app qualifications

To qualify for a loan on Huduma loan app, you need the following requirements:

Huduma loan app 2023

  • Must be a Kenyan citizen. You must have an Identification card that confirms that you are a Kenyan citizen
  • Must be 18 years and above. A national Identification card can also confirm this. An ID therefore is all you need to get started.
  • There is no age limit. Many apps have age limit  and do not offer loans to those above the age of 55 or 60 years, Huduma app however does not discriminate customers based on their ages or their earning status.
  • Must have a mobile phone. Because this loan is fully processed online, a customer must have a mobile phone (Smart phone) which can access internet.

Huduma loan limit

Huduma loan app offers loans ranging between Ksh. 1,500 and Ksh. 12,000.

A customer starts with the lowest loan limit of Ksh. 1,500 when they register on the app, they then graduate gradually to a limit of Ksh. 12,000 depending on how they borrow and repay their loans.

Advantages and Disadvantages of Huduma loan

Advantages of Huduma loan app

No face-to-face transaction. All transactions are done online. This means that the customer does not have to travel to the physical office to get loans.

One-click operation. The loan is just one click away, all you have to do is download the app (You can download the app using this link) register your account and proceed to borrow loan immediately.

No harassments. Huduma loan customer care agents do not harass the customers if they fail to pay their loans in time. Other loan apps call customer’s contact list to inform them of your loan, this is however different in the case of Huduma loan.

Disadvantages of Huduma loan app

They take up to 24 hours to process one’s loan. This is long time when you compare it to other loan apps in Kenya which take as low as 2 minutes to process loans.

They do not offer loans above Ksh. 12,000. Other apps however offer loans of up to Ksh. 300,0000

They do not offer loans below Ksh. 1,500. This is inconvenient to those in need of loans below Ksh. 1,500.

Huduma loan interest rate

Huduma loan charge an interest loan of 0.05% per day. This is 18.25% per year. This is a very low interest when you compare it to other lending apps.

Huduma loan example

For example, if you borrow a loan of Ksh. 1,000 and set the repayment period to 120 days, you will be required to repay the amount with an interest of 0.05 per day. For 120 days, you will pay the amount with an interest of 6%.

The total interest will therefore be Ksh. 60 and the total amount you will be required to repay will be Ksh. 1,060 only.

Huduma loan app customer care contacts

If you have any issue you want to address to Huduma loan app through their customer care, you can use this number +254715128474. Remember that this number is operational from Monday to Saturday between 8 am and 5 pm.


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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