Mobile loans in Kenya you can apply without an app

Mobile Loan Apps in Kenya: Mobiles loans in Kenya have become synonymous with application installation where you have to own a smartphone install the application and then check if you are eligible for the loan. If you are eligible then you can go ahead and request for a loan.

And as this century has been characterized as the dawn of technological advancement, not everyone has been able to adapt to these changes. This is because these innovations do come at a price and not everyone may be able to accommodate this

As such many Kenyans, especially they lower cadre ones, who do not own smartphones are locked out. Statistics shows that about 5 million Kenyans own button phones which are popularly known as mulika mwizi.

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But thanks to a few companies, this year has come with good news as these Kenyans can now access these quick loans during these harsh economic times without necessarily subscribing to any mobile loan apps in Kenya. The companies employ the use of a short url code to offer their loans and/or USSD code.

These companies include Zenka which offers Zenka product HF Group which offers HF WHIZZ product, OkoaMia Ventures Ltd. Which offers OkoaMia , Barclays which offers Timiza  and Capital Ltd which offers Bayes.

  1. ZENKA USSD code *841#

Zenka is the most recent product and is a loan service offered by Zenka. It offers loan amounts ranging from KES 500 to KES 10,000

  • Its interest fees are at 11%
  • Its repayment duration is 30 days
  • Loan repayment can be done via Repay now button on the loan app, alternatively, one can send money to PAYBILL 979988 and use your mobile number as the ACCOUNT NO.
  • It is available as an app via at/dnL04 and also on USSD code *841#
  1. HF WHIZZ USSD code *618#

HF Whizz is a loan service offered by HF Group and it offers loan amounts ranging from KES 500 to KES 50,000. It was also recently released.

  • Its interest fees are at 7.725%
  • Its repayment duration is 30 days
  • Loan repayment can be done via the app, alternatively, one can send money to PAYBILL 100400 and use your HF Whizz account no as the ACCOUNT NO.
  • It is available as an app via at/ltA01 and also on USSD code *618#

  1. BAYES USSD code *879*99#
    Bayes is a loan service offered by PI Capital Ltd and It offers loan amounts ranging 500 to 25,000.
  • Its interest fees is at 20%
  • Its repayment duration is 30 days
  • Loan repayment can be done via the repay button on the loan app, alternatively, one can send money to PAYBILL 599862 and use your id number as the ACCOUNT NO.
  • It is available as an app via at/pCIR2 and also as USSD code *879*99#
  1. TIMIZA
    Timiza is a loan service offered by Barclays and It offers loan amounts ranging from KES 50 to KES 100,000
  • Its interest fees is at 6.08%
  • Its repayment duration is 30 days.
  • Loan repayment can be done via repay button on the loan app, alternatively, one can send money to PAYBILL 30067 and use your mobile number as the ACCOUNT NO.
  • It is available as an app via at/doAR4 and also on USSD code *848#
  1. OKOA MIA USSD code at *628#
    Okoa Mia is a loan service offered by OkoaMia Ventures Ltd and It offers loan amounts ranging from KES 100 to KES 900
  • Its interest fees is at 10%
  • Its repayment duration is 5 days
  • It is available on USSD code at *628#
  • Loan repayment can be done via sending money to PAYBILL 519608 and
  • use your ID number as the ACCOUNT NO.

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