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Mobile loan in Kenya: KeCredit loan app


KeCredit loan app is a mobile lending app that offers instant unsecured loans ranging between KSH. 2,000 and KSH. 50,000. KeCredit loans are applied, offered and repaid online without any paperwork or any office visits involved.

In this article, I will be discussing KeCredit loan app in details. I will discuss how to download and install this app, how to borrow loan from this app and how to repay loan from this app. This article is meant to help you make an informed decision when choosing your next online lender.

Read also: How to borrow loan of up to KSH. 70,000 from the newest loan app in Kenya CreditMoja loan app

Read also: How to borrow loan of up to KSH. 50,000 from Helacash loan app in Kenya 2022

KeCredit loan app

How to download KeCredit loan app

To download KeCredit loan app, visit google play store in your android phone and search for KeCredit on the search section. The app will appear as one of the search results. Proceed to download and install the app to begin with the process of borrowing.

Remember that this app is currently only available on google play store. One will need a phone that can access Google play store to be able to borrow from this platform.

How to borrow loan from KeCredit loan app

After downloading KeCredit loan app, proceed to create an account on the app to qualify for a loan. To create an account, you need to have the following;

• Must be 18 years old and above with a valid ID card to prove it

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

• Must provide a physical address

• Must have a clean CRB status

When you meet the above requirements, you will proceed to enter your details on the app to complete your registration process. This process will take up to 5 minutes depending on your speed.

One Time Pin (OTP) will be sent to the number you used to register to confirm if you are the real holder of the mobile number. Enter the OTP to activate your account.

After your account is activated, your loan limit will be calculated automatically and updated on your mobile app. Proceed to borrow any amount within your loan limit and it will be processed and disbursed to your M-Pesa account in less than five minutes.

How to repay your KeCredit loan app

To repay you’re the loan you borrowed on KeCredit loan app, you will have to load the amount on your M-Pesa account and follow the below steps;

• Go to M-Pesa menu

• Go to Lipa na M-Pesa

• Choose paybill

• Enter KeCredit loan app paybill number which is 4081641

• Enter your mobile number as the account number (the number you used to register)

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

The payment will be updated on your app immediately the transaction is complete. But it may take up to five minutes to reflect on the app.

KeCredit loan app interest rate

KeCredit loan charges interest depending on the payment plan one chooses when borrowing the loan. When one chooses a long payment period, they pay more interest as compared to when one chooses a short loan repayment plan.

The lowest interest rate one can pay if they choose the shortest payment period is 16% while the highest interest one can pay if they choose the longest payment is 30%.

KeCredit loan contacts


Does KeCredit loan have a USSD code?

No. KeCredit loan app doesn’t have a USSD code. The only way you can access loan on KeCredit is through their Smartphones on the app only. The loan cannot also be accessed through sms and any other way apart from app.

Does KeCredit loan have hidden fees?

No. KeCredit does not have any hidden fees one is supposed to pay when repaying their loans. One will be informed about all the fees they are supposed to pay before they agree to take the loan.


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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