KCB M-Pesa Loan Application and Repayment

KCB M-Pesa Loan is a money lending service that is offered through the M-Pesa platform on your Safaricom line.

KCB M-Pesa Loan Application

KCB M-Pesa offers a minimum loan amount of Kshs 50 and a maximum of Kshs 1,000,000 at an interest rate of 7.5%.

In order to be able to access this service, you need to have a Safaricom sim card and be a registered M-Pesa user. You have to be 18 years old and be active for the last 6 months.


  • Access the M-Pesa Menu on your sim toolkit or via the mySafaricom app.
  • Pick loans and Savings.
  • Select KCB M-Pesa.
  • Hit the activate button.

Additionally, you can use the USSD code;

  • Dial *844# on your Safaricom line.
  • Accept the terms and conditions after reading them.
  • A pin will be sent on your device.
  • Dial *844# again and use the pin to access your account.

How to Request a Loan

  • Dial *844# and enter your secret PIN or access the loans and savings on the SIM toolkit or the mySafaricom app.
  • Select Loan and request loan and enter the amount you want to borrow.
  • Select the preferred repayment period that you want.
  • Hit the okay button. Funds will be transferred to your KCB M-Pesa account upon approval.
  • From here you can transfer it to your Mpesa for withdrawal or any other payment that you want to do.

Repayment and Duration

The loan is repayable within a period of 30 days from when you took it.

  • Access the M-Pesa Menu via the sim toolkit or mySafaricom app.
  • Select loans and Savings.
  • Select KCB-Mpesa.
  • Choose Pay loan.
  • You can clear the loan from your M-Pesa account or your KCB M-Pesa account.

If the KCB M-Pesa loan is not repaid within the agreed time, you have to pay a penalty. After 90 days you are listed on the Credit Reference Bureau -CRB.

KCB MPESA Loans Customer Care Contacts

Do you have any issues with the KCB MPESA loans ? Do you need to contact the KCB MPESA customer care numbers? To reach KCB MPESA customer service one can use the following: 

KCB MPESA Tel +254 020 327 0000

Mobile phone no: +254 711 087 000/ 732 187 000

Email address: contactcentre@kcb.co.ke 

Facebook: @ kcbgroup

Twitter: @KCBGroup

You can also Call Safaricom care on 100 or 200 for guidance.

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