USSD codes for various mobile loan apps in Kenya

Most mobile loan apps in Kenya are primarily available on Safaricom SIM cards, although a few, like M-Fanisi, can also be accessed on Airtel lines. Additionally, some loan apps offer access to loans through SMS, provided the feature is enabled. Some banks also provide customers with access to soft loans via USSD codes, requiring only the opening of a bank account and linking it to mobile banking to begin enjoying these mobile loans.

Here are the USSD codes for various mobile loan apps in Kenya

1. MCo-opCash
   • Provider (Lender): Cooperative Bank
   • USSD Code: *667#
2. Pesa Pap
   • Provider (Lender): Family Bank
   • USSD Code: *325#
3. KCB Mobi
   • Provider (Lender): KCB Bank
   • USSD Code: *522#
4. KCB Mpesa
   • Provider (Lender): KCB Bank
   • USSD Code: *844#
5. Pesa Pata
   • Provider (Lender): Paddy Micro Investments
   • USSD Code: *269#
6. NCBA Loop
   • Provider (Lender): NCBA Bank
   • USSD Code: *654#
7. Timiza
   • Provider (Lender): Barclays Banks
   • USSD Code: *848#
8. Zenka
   • Provider (Lender): Zenka Finance
   • USSD Code: 483101#
9. Tala
   • Provider (Lender): InVenture Mobile Limited
   • SMS Number: 21991
10. M-Shwari
    • Provider (Lender): NCBA Bank
    • USSD Code: *334#
11. Halal Pesa (Sharia compliant)
    • Provider (Lender): Gulf African Bank
    • USSD Code: *334#
12. Fuliza
    • Provider (Lender): Safaricom, KCB, NCBA
    • USSD Code: *234#
13. Eazzy Loan
    • Provider (Lender): Equity Bank
    • USSD Code: *247#
14. Sotiwa
    • Provider (Lender): Sotiwa Ltd
    • USSD Code: 24390#
15. Zazipay
    • Provider (Lender): MyCredit
    • USSD Code: *322#
16. Pezesha
    • Provider (Lender): Pezesha Africa Ltd
    • Send “Pezesha” to 22235
17. Cash Xpress (TSC employees)
    • Provider (Lender): Premier Credit
    • USSD Code: *241#
18. Kopa Doh
    • Provider (Lender): Mobile Opulence Ltd
    • USSD Code: *610#
19. Pesa ChapChap
    • Provider (Lender): Faulu Microfinance Bank
    • USSD Code: *339#
20. ExtendMoney
    • Provider (Lender): ExtendMoney Services
    • USSD Code: *676#
21. HF Whizz
    • Provider (Lender): HFC Group
    • USSD Code: *618#
22. Bayes Pi
    • Provider (Lender): Capital Ltd
    • USSD Code: 87999#
23. M-Fanisi
    • Provider (Lender): Maisha Bank
    • USSD Code: *281#
24. Kopa Cash (Airtel Money)
    • Provider (Lender): Jumo Mobile
    • USSD Code: *222# or *334#
25. Express (Airtel Money)
    • Provider (Lender): Ecobank
    • USSD Code: *222# or *334#
26. Okoa Sasa (TSC Teachers)
    • Provider (Lender): Okoa Sasa
    • USSD Code: *884#
27. Okoa Mia
    • Provider (Lender): OkoaMia Ventures
    • USSD Code: *628#

Note: Some loan apps may require account registration through the app before accessing a loan via the USSD service.