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Kopa Credit loan app 2022: Download, Paybill, Contacts


Kopa credit loan app is a lending app that offers instant loans ranging between KSH. 500 and KSH. 30,000. Kopa credit loans are personal, instant, and unsecured.

  • Personal- They only loan to individuals and not organizations, groups, and any other grouping that involve more than one person.
  • Instant- Kopa Credit loans are processed and disbursed within a few minutes. Especially within five minutes.
  • Unsecured- Borrowers do not require security to have their loans approved.

In this article I will reveal to you everything you need to know about Kopa credit loan app. I will guide you on how to download the app, how to borrow your first loan on the app, how to repay the loan, and how to contact Kopa credit loan app.

Read also: How to borrow instant loan from instarcash loan app. This is one of the most reliable loan apps in Kenya.

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

How to download Kopa credit loan app

Kopa credit loan app is available for free on google play store. To download this app, have a phone that can access google play store and in the play store, search for the key word Kopa credit.

The app will appear as the first search result. Go ahead to download and install the app. You can then go ahead to borrow your first loan following the steps I will reveal to you in this article.

You can as well avoid this long process and click on this link which will re-direct you to google play store and to the app’s location. From there, you can go ahead to download and install the app.

How to borrow instant loan on Kopa credit loan app

To borrow instant loan on Kopa credit loan app, you must meet the following qualifications:

  • You must be between 18 years and 60 years old
  • You must have original ID
  • You must have a smartphone that can access google play store
  • You must agree to Kopa credit’s terms and conditions.
  • You must have a clean CRB record.
  • You must have an active M-Pesa account

After meeting the above qualifications, you can go ahead to create a new account on Kopa credit loan app and enter your details to verify your account.

The app will request for your permission to access some of the apps in your phone. It will use this information and your M-Pesa transactions statement to generate a loan limit which will dictate the amount of money you can withdraw from the app.

After your loan limit is updated on your app, you can go ahead to borrow loan of any amount within your loan limit and it will be processed and disbursed to your M-Pesa account within five minutes.

Once amount is disbursed to your account, you can use it for whatever purpose you intended and remember to repay your loan in time to grow your loan limit.

Kopa credit interest rate

Kopa credit charges an interest rate of up to 36% per annum. This is the highest interest one can pay on Kopa credit. This interest can however go low when the customer chooses a short repayment period.

Kopa credit service fee

Kopa credit does not charge any service fee on loans borrowed from their platform. This makes it a good choice over other lending apps that charge 1%-5% service fee on their loans.

Kopa credit loan terms

Kopa credit loan gives customers time ranging between 91 days and 365 days to repay their loans. The shortest time one can take to repay their loan is 91 days while the longest time one can take to repay their loan is 365 days. There is however no penalty when one pay their loan earlier than the 91 days time frame.

Kopa credit paybill number

Koapa credit does not have a paybill number. There is however an M-Pesa express option you can use to repay your loan. This option is only available on the app. Do not delete the app after having your loan approved because you will need it when repaying the loan.

Kopa credit contacts


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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