OKOA Stima Kenya: How to Apply, Loan Limit, Charges & Repayment

OKOA Stima is an emergency electricity credit service offered by Kenya Power that allows prepaid customers to access power when their tokens run out. Instead of staying in the dark, eligible customers can borrow electricity units and repay later when they top up.

The service is designed to ensure uninterrupted power supply, especially during emergencies when buying tokens immediately is not possible.

How it Works

When you request OKOA Stima:

• You receive electricity units instantly
• The amount you borrow is deducted automatically on your next token purchase
• A service charge applies
• The available loan limit depends on your electricity usage and repayment history

How to Apply for OKOA Stima (USSD Code)

Applying for OKOA Stima is simple and takes less than a minute.

Steps to Apply:

1. Dial *885# on your phone
2. Select OKOA Stima
3. Enter your Kenya Power meter number
4. Confirm the request
5. Units are credited instantly if you are eligible

You will receive an SMS confirmation showing the units received and the amount to be repaid.

OKOA Stima Loan Limit Explained

The OKOA Stima loan limit varies from customer to customer. Kenya Power determines your limit based on:

• Your average monthly electricity consumption
• Frequency of token purchases
• Timely repayment of previous OKOA Stima loans
• Length of time you’ve used the prepaid meter

Typical Loan Limits:

• New or low-usage customers: Small loan limits
• Regular and consistent users: Higher loan limits
• Customers with unpaid balances: May be ineligible

Loan limits can increase over time if you consistently repay on time.

OKOA Stima Charges

OKOA Stima is not free. A service charge is applied when you borrow.

Key points to note:

• Charges vary depending on the borrowed amount
• The service fee is deducted together with the borrowed units
• You will receive fewer units than the full value borrowed due to the charge

How to Repay OKOA Stima

Repayment is automatic.

When you next buy electricity tokens:

• The OKOA Stima amount is deducted first
• The remaining balance is converted into usable electricity units

There is no manual repayment process—you must clear the balance before accessing new tokens.

Who Is Eligible for OKOA Stima?

You qualify for OKOA Stima if:

• You are a prepaid Kenya Power customer
• You have a good repayment history
• You regularly purchase electricity tokens
• You have no outstanding OKOA Stima debt

If you are not eligible, the system will notify you when you try to apply.

Why OKOA Stima May Be Unavailable

You may fail to access OKOA Stima due to:

• An existing unpaid OKOA Stima balance
• Very low electricity usage
• A newly installed prepaid meter
• System maintenance by Kenya Power

Frequently Asked Questions About OKOA Stima

Can OKOA Stima be applied multiple times?
No. You must repay the current loan before requesting another.

Does OKOA Stima expire?
The borrowed units work like normal electricity tokens and do not expire.

Can postpaid customers use OKOA Stima?
No. OKOA Stima is strictly for prepaid customers.

Final Thoughts

OKOA Stima is a reliable solution for emergency electricity needs in Kenya. Understanding how to apply, your loan limit and repayment rules helps you avoid inconveniences and manage your power usage better. If used responsibly, OKOA Stima ensures your home or business stays connected even during tough moments.