Quickly secure your first online loan in 10 minutes – Apply now

Apply for a loan
Quickly secure your first online loan in 10 minutes – Apply now

Key Advantages



Quick, user-friendly options available globally. Just one document to start



Depend on our responsible lending and innovative solutions. We protect your privacy and assist in crises



Simple solutions from home, fast. Instant money in your account and flexible loan terms

Getting Loan Steps


Submit Your Application via App

Submit an application via our app. Just fill out a simple form.


Wait for Our Verdict

Hold on for our response, coming in just 15 minutes.


Get Your Funds

Receive your money, typically transferred within a minute.

Download loan app

User Testimonials


Laquita Benjamin

I was amazed at how quick and easy it was to get a loan through instantmobileloans.co.ke. The process was seamless and I had the money in my account in no time. I highly recommend their services to anyone in need of fast cash.


Lemae Goodman

Instantmobileloans.co.ke really came through for me when I needed some extra funds to cover unexpected expenses. The application process was straightforward and their customer service was top-notch. I will definitely be using their services again in the future.


Leandri V.

I was hesitant at first to use an online loan service, but instantmobileloans.co.ke exceeded all of my expectations. The website was user-friendly and the approval process was quick. I was able to get the money I needed within hours. Thank you for the great service!


Thys R.

Instantmobileloans.co.ke made it so easy for me to get a loan without having to jump through hoops. Their rates were competitive and the whole process was stress-free. I will definitely be recommending them to my friends and family.


Diauna Robertson

I have used several online loan services in the past, but instantmobileloans.co.ke truly stood out to me. Their website was easy to navigate, their rates were fair, and their customer service was excellent. I will be a returning customer for sure.

Submit Your Application via App

Submit an application via our app. Just fill out a simple form.

Download loan app

Online loans in Kenya via M-Pesa

  • Amount 500 KES to 30,000 KES
  • Minimum repayment period 61 days
  • Maximum repayment term 365 days
  • Interest rate 0,01% - 2% per day
  • Decision 5-15 minutes
  • Age of borrower 18-62 years old
  • Occupation Currently employed or with a stable source of income
  • Location Kenyans that are currently living in the Kenya
  • What are the requirements National ID, Mobile phone

Instant Mobile Loans in Kenya: Everything to be Aware of

In recent years, instant mobile loans have become increasingly popular in Kenya. These loans provide quick and convenient access to funds for individuals in need of financial assistance. Whether you need money for emergencies, business ventures, or personal expenses, instant mobile loans offer a convenient solution.

Convenience and Speed

One of the key benefits of instant mobile loans is their convenience and speed. With just a few clicks on your phone, you can apply for a loan and receive the funds within minutes. This is particularly helpful in emergency situations where time is of the essence.

  • Over 90% of loan applications are approved within minutes
  • Minimum documentation required
  • No need to visit a physical bank branch

These factors make instant mobile loans a convenient option for those in urgent need of financial assistance.

Flexibility in Loan Amounts

Another advantage of instant mobile loans is the flexibility in loan amounts. Depending on your needs and repayment capabilities, you can borrow varying amounts of money. This allows borrowers to tailor their loans to suit their specific financial circumstances.

Accessible to All

Instant mobile loans are accessible to all individuals, regardless of their financial status. Whether you are employed, self-employed, or a student, you can easily qualify for a loan through your mobile phone. This inclusivity makes instant mobile loans a popular choice among Kenyans looking for quick financial assistance.

Transparent Terms and Conditions

Instant mobile loans in Kenya typically have transparent terms and conditions, making it easy for borrowers to understand the cost of borrowing. Interest rates and repayment schedules are clearly outlined, ensuring that borrowers are informed before committing to a loan.


Instant mobile loans in Kenya offer a convenient and efficient way to access quick funds when needed. With their speed, flexibility, accessibility, and transparent terms, these loans provide a valuable financial lifeline for individuals facing unexpected expenses or cash shortages.


What are instant mobile loans in Kenya?

Instant mobile loans in Kenya are short-term loans that are disbursed directly to your mobile phone through mobile money platforms such as M-Pesa. These loans are convenient and quick to access, usually requiring minimal paperwork.

How do I apply for an instant mobile loan in Kenya?

To apply for an instant mobile loan in Kenya, you typically need to download a mobile loan app, register with your phone number, and provide some personal information. You may also need to grant the app permission to access your mobile money account.

What are the eligibility criteria for getting an instant mobile loan in Kenya?

The eligibility criteria for instant mobile loans in Kenya may vary depending on the lender, but generally, you need to be a Kenyan citizen or resident, have a valid national ID, be of legal age, and have an active mobile money account.

How quickly can I receive the funds from an instant mobile loan in Kenya?

Once your loan application is approved, the funds are usually disbursed to your mobile money account instantly or within a few minutes. This makes instant mobile loans a convenient option for emergency financial needs.

What are the interest rates and repayment terms for instant mobile loans in Kenya?

Interest rates and repayment terms for instant mobile loans in Kenya vary among lenders, but they are typically higher than traditional bank loans due to the convenience and speed of access. Repayment terms are usually short, ranging from a few days to a month.

What happens if I am unable to repay my instant mobile loan in Kenya on time?

If you are unable to repay your instant mobile loan on time, you may incur additional fees and penalties. Some lenders may also report non-payment to credit reference bureaus, which could negatively impact your credit score and future loan eligibility.

Can I borrow multiple instant mobile loans at the same time in Kenya?

Some lenders in Kenya may allow you to borrow multiple instant mobile loans simultaneously, depending on your creditworthiness and repayment history. However, it is important to borrow responsibly and avoid overextending yourself to prevent falling into a cycle of debt.