A reliable online loan service in Kenya. No hidden fees. Quick decisions.
Fast & Easy Online Loans
3 624 KES
Total amount
This is a preliminary estimate and not a public offer. Final interest rate depends on individual assessment. Full information about interest rates and APR is available on request.
How It Works
Get the money you need fast — without leaving home, visiting an office, or worrying about hidden fees.
Need to pay bills, fines, or fix your car? PESAKAY CREDIT LIMITED is available 24/7 with a fully automated system. No collateral. No questions about how you'll spend the money.
01
Sign up with your phone number
Enter your number, get an SMS code, and access your personal account to track and manage loans.
02
Submit your application
Choose the amount and term, send your request, and get an answer in minutes. Sign the agreement with an SMS code.
03
Receive your money
Instant M-Pesa transfer. No office visit needed.
Improve Your Credit History
Start with a small loan and rebuild your credit score. PESAKAY CREDIT LIMITED reports to CRB, helping you unlock better loan terms in the future.
Need to pay bills, fines, or fix your car? PESAKAY CREDIT LIMITED is available 24/7 with a fully automated system. No collateral. No questions about how you'll spend the money.
Had Late Payments in the Past?
A small, successfully repaid loan can help rebuild trust and repair your credit profile.
Denied by Banks or Lenders?
Even if you've been rejected elsewhere, you may still qualify for our credit recovery loan.
Need to Boost Your Credit Score?
On-time repayment is reported to CRB — a smart step toward stronger financial standing.
About us
PESAKAY CREDIT LIMITED — Your Trusted Financial Partner
We are a licensed microfinance company, registered in Kenya under number PVT-781KB3OL. Since our founding, we've been committed to making financial services simple, fast, and secure for everyone in the country.
Why us
We provide a fast, transparent, and secure lending experience — fully compliant with Kenyan regulations and built on trust, data safety, and personal support every day of the week.
Officially Licensed
Compliant with CBK, ODPC, and SASRA
No Hidden Fees
Clear loan terms from the start
Fast Review
Applications processed in just minutes
Secure Data
Full encryption under the Data Protection Act
Always Here
7-day support with personal attention
For Businesses
Fast and easy financing for small and medium-sized businesses registered in Kenya — no collateral, no long waits.
We offer fast and flexible support for growing businesses — with no collateral, quick approval in 24 hours, and expert guidance at every step.
Required Documents for Companies (PVT, LTD)
Certificate of Incorporation
Company KRA PIN
Director's or authorized person's ID
Bank statement (last 3 months)
Business contact details
For Sole Proprietors
Business Name Registration Certificate (BN)
Owner's KRA PIN
Owner's ID
Bank or M-Pesa statement (last 3 months)
Applications for businesses are currently accepted by request via the contact form. Online application will be available soon.
FAQ
We've answered the most common questions from individuals and businesses — so you can feel confident and informed before applying for your loan.
Any Kenyan citizen aged 18 or older with a valid national ID and an active M-Pesa number registered in their name.
For businesses: any officially registered entity in Kenya (PVT, LTD, NGO, or Sole Proprietor) through an authorized representative.
Get in Touch