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Opesa loan app 2022: Download, Paybill, USSD Code, Contacts, Limit


Opesa loan app is one of the few reliable loan apps in Kenya. Opesa loan app offers loans ranging between KSH. 1,500 and KSH. 50,000 straight to customer’s phone.

Opesa loans are fully processed online with few requirements involved and the process takes less than 5 minutes.

In this article, I will show you how to borrow fast and unsecured loans from Opesa loan app. I will also show you how to repay the loan and how to contact Opesa in case you have any burning issues which you want to be addressed by the ever available customer care services.

I hope that you will enjoy the article and you will find it very insightful and it will help you make an informed decision when choosing who to lend from.

Read also: How to borrow instant loan from Cashbean loan app in Kenya 2022

Read also: How to set up your restaurant on Jumia foods and earn KSH. 50,000 and above on the platform. 

How to download and install Opesa loan app

To download Opesa loan app, visit your google play store and search for the keyword Opesa. The app will appear as the first search result with the Phrase “Safe Credit Loan App” besides it. The app is developed by TK limited which is the mother company which gave birth to Opesa loan app.

After searching for the app successfully, proceed to download and install the app before beginning the process of registration.

You can as well avoid the long process and click this link which will re-direct you to google play store and later to the location of the app on the platform.

How to apply for instant loan on Opesa loan app

To apply for an instant loan on Opesa loan app, you must meet the following requirements;

  • Must have a clean CRB record
  • Must be a Kenyan citizen with a national ID
  • Must be between 18 years and 60 years old
  • Must not have an unpaid loan on the Opesa loan app
  • Must have Safaricom sim card with active M-Pesa account.

After meeting the above requirements, you can go ahead to create a new account on Opesa loan app.

After creating a new account on Opesa loan app, you will be required to verify your account by entering an OTP (One Time Pin) which will be sent to your phone and uploading your identification details where required.

After verifying your account, your loan limit will be updated and you can go ahead to borrow any amount within your loan limit .

The loan will be reviewed and the amount will be sent to your M-Pesa account within five minutes after the approval.

Opesa loan app interest rate

Opesa charges an interest rate of up to 36%. The interest rate is however affected directly by the loan repayment plan one settles on. If the repayment plan is long, the interest will be high and if the repayment period is short, the interest will be less.

Opesa loan app service fee

Opesa also charges a service fee ranging from KSH. 100 to KSH. 600 depending on the amount borrowed by the customer and the repayment period settled on by the customer.

For example, a loan worth KSH. 2,000 with a repayment period of 92 days will attract a service fee of 9.2% which is KSH. 184. The customer will therefore pay an extra KSH. 184 on top of their interest.

How to repay Opesa loans

To repay Opesa loans, head to your M-Pesa menu and select pay bills option. Go ahead to paybill and enter Opesa paybill number which is 606280.

Continue to enter your phone number as your account number and enter your M-Pesa pin to complete the transaction.

The transaction will be immediately updated on your app to reflect your loan balance.

Opesa paybill number

Opesa paybill number is 606280. Through this paybill, you can repay your loan, pay your service fee and any other transactions.

Opesa USSD code

Opesa is yet to launch a USSD code. I am following them very keenly and will reveal to you the USSD code immediately they launch it.

Opesa contacts

Call:  020 7650999

WhatsApp: 0758706946



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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