Press "Enter" to skip to content

InstarCash loan app 2022: Download, Paybill, Contacts


InstarCash loan app is a mobile lending platform that offers instant loans in Kenya. InstarCash loan app is a product of cashinstar limited. InstarCash loan app offers loans ranging from KSH. 1,000 to KSH. 20,000 which are processed immediately.

In this article, I will be revealing to you everything you need to know about InstarCash loan app. I will show you how to download this app, how to apply for a loan, how to repay the loan and how to contact their customer care services.

In this article, I will also highlight some of the complaints raised by current and former users of this app. I hope that this article will help you make an informed decision when choosing your next borrowers.

Read also: Everything you need to know about Sky Pesa loan app

Read also: Everything you need to know about KashWay loan app in Kenya 2022

InstarCash loan app in Kenya 2022

How to download InstarCash loan app

InstarCash loan app is available in Google play store for free download. To download this app, visit your google play store and search for the keyword InstarCash loan app. The app will appear as the first search result when you key in the above keyword.

Proceed to download the app and install it. After this, you can proceed to borrow your first loan and the process of borrowing loan on InstarCash I have explained below.

How to borrow instant loan from InstarCash app

To qualify for an instant loan on InstarCash app, you must have the following qualifications;

• Must be 18 years and above

• Must have your national ID card

• Must have a functional safaricom number with active M-Pesa account

• You must provide your occupation details, marital status and education level

• You must agree with InstarCash app’s terms and conditions

After meeting the above qualifications, you can go ahead to create an account on InstarCash app and verify it using your original documents. You can then proceed to borrow instant loan of any amount within your loan limit which will be revealed immediately your details are verified.

How to repay InstarCash loan

InstarCash does not have a functional paybill number currently. Therefore you will need the app to repay your loan.

To repay your loan, log into your app and choose my bill option. Proceed to repay your loan on the app using the M-Pesa express option which is the only option available in the app.

InstarCash loan app paybill number

InstarCash loan app does not have a paybill number. The only way one can pay their loans or make any transactions with InstarCash loan app is through the M-Pesa express option available on the app.

InstarCash loan interest rates

InstarCash loan app charges an interest rate of 36%. The rate can however go as low as 25% but this depends on the repayment plan you chose when borrowing your loan. Your rate will be revealed to you when you are about to borrow the amount.

Disadvantages of InstarCash loan

• InstarCash loan app deducts the interest before they disburse the loan to customer’s M-Pesa account. For example, if you borrow KSH. 1,000 and after the deduction, you will get KSH. 740.

• They do not have a paybill number, you must therefore use the app to repay loan

• There system is low and may sometimes delay loan disbursement

• They call frequently when you fail to repay your loan in time. Some people even complain about InstarCash customer care calling everyone on their phone book.

• InstarCash does not have a customer care phone number. Reaching them is therefore very difficult.

InstarCash loan repayment period

InstarCash gives borrowers between 91 days and 365 days to repay their loan. Some people have however complained about being called and instructed to repay their loan before the time they choose reaches.

InstarCash loan app contacts

To download InstarCash loan app, click this link.


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:

View all posts


Leave a Reply

Your email address will not be published. Required fields are marked *