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Patron loan app 2022: Download, Paybill, Contact


Patron loan app is a product of Patron Inc. company which is based in Kenya. Patron loan app offers instant mobile loans ranging from KSH. 500 to KSH. 7,000. Patron loans are processed and disbursed immediately to the customer’s M-Pesa account.

Since 2021 when this app made its debut to Kenya’s market, this app has grown to become one of the most popular lending apps in the country because of its efficient services.

This app has gathered more than 100,000 downloads on google play store with a rating of above four stars. This app has also gathered lots of positive reviews from former and current users which gives it a good reputation online.

In this article, I will reveal how to download and install a Patron Loan, how to borrow a loan from the app, how to repay the loan, and how to contact the Patron loan app’s customer care services.

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

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

How to download the Patron loan app

To download the Patron loan app, you must have a smartphone that can access the google play store. With this phone, you can proceed to the google play store and search for the Patron loan app.

The app will appear as the first search result when you search for the keyword Patron loan app. You can go ahead to download the app and install it on your phone.

You can as well avoid going through the long process and simply click on this link to download the app on the google play store.

 How to qualify for an instant loan on the patron loan app

To qualify for and borrow an instant loan from the Patron loan app, you must meet the following requirement;

  • Must have a smartphone and install the Patron loan app
  • Must be between 18 and 60 years old
  • Must be a Kenyan citizen with a valid national ID
  • Must have a clean CRB record (Click here to check your CRB status)

After meeting the above qualifications, you can go ahead to create a new account on your patron app using your correct details as they appear on your identification documents.

After creating an account, Patron app will require you to verify your account using your documents after which you will be verified and your loan limit will be updated on the app.

You can go ahead to borrow a loan of any amount within your loan limit but first you will be required to enter your reason for borrowing (what you intend to do with the borrowed amount). The loan will be processed and the amount will be disbursed to your M-Pesa account within five minutes.

How to repay Patron loan

To repay the Patron loan, you should first deposit the amount to your M-Pesa account and then head to your M-Pesa menu.

Under your M-Pesa menu, select lipa na M-Pesa and enter the Patron loan app paybill number which is 4048623. 

Proceed to enter your phone number as the account number and authorize the transaction by entering your M-Pesa pin.

Patron loan app paybill number

The patron loan app paybill number is 4048623. Until they reveal another paybill number, this is the only paybill number one can use to make any transactions with the Patron loan app.

Patron loan interest rate

Patron loan app charges an APR ranging between 365% and 1825%. For example if one borrows a loan amount of KSH. 5,000 with a repayment period of 91 days, they will pay an interest rate of 1% per day which is equal to 365% APR. They will therefore pay a total of KSH. 9,600. This is the loan amount of KSH. 5,000 and an interest fee of KSH. 4,600.

Patron loan 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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