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How to Apply for LendPlus Loans With and Without the App in Kenya

LendPlus is one of Kenya’s fastest-growing digital lenders offering instant M-Pesa loans from KES 1,000 to KES 150,000. As a CBK-licensed digital credit provider , LendPlus stands out for its transparency, secure lending process, and fast loan approvals within 15 minutes.

This guide explains what LendPlus is, its loan features, eligibility, how to download the app, how to apply with or without the app, how to log in, and official contact details.

Lendplus loan app Kenya
Lendplus 

Read Also; How to apply for zenka loans in Kenya 

What is LendPlus Loan App?

LendPlus is a licensed digital lender in Kenya offering convenient online loans directly to your M-Pesa account. The loan application process is fully digital and can be completed via:

  • LendPlus mobile apps

  • LendPlus APK

  • Official website Lendplus.ke

The lender guarantees data protection, quick approvals, and flexible repayment options between 61 days and 90+ days (with possible extensions).

LendPlus Loan Features

✔ Loan Amount

  • KES 1,000 – KES 150,000

✔ Approval Time

  • 1–15 minutes

✔ Disbursement

  • Instant to M-Pesa (usually 1 minute)

✔ Interest Rate

  • 0.9%–2.2%
    (Exact rate shown inside the app/website during application.)

✔ Repayment Period

  • Standard loans: 61–90 days

  • Can be extended if needed

✔ Benefits

  • Fast online application

  • Only National ID required

  • Safe & confidential

  • Option to extend repayment period

  • Higher limits for good repayment history

Eligibility for LendPlus Loans

To qualify for a LendPlus online loan, you must:

  • Be a Kenyan citizen

  • Aged 23–62 years

  • Have a valid National ID

  • Have a smartphone

  • Have a stable income source

  • Have an active M-Pesa number

Where to Download LendPlus Loan App

Unlike many lenders, LendPlus is available on multiple app stores — but not on Google Play Store.

✔ Available On:

  • Apple App Store (iPhone/iOS)

  • Samsung Galaxy Store

  • Oppo App Market

✔ Not Available On:

  • Google Play Store

✔ For Android Users: Download the APK

Android users must download the official LendPlus APK from:

👉 https://lendplus.ke

This is the official website of the CBK-licensed lender.

How to Apply for LendPlus Loans Using the App

Follow these steps:

  1. Download the LendPlus app (or APK from lendplus.ke)

  2. Install and open the app

  3. Create your account

    • Enter your phone number (M-Pesa)

    • Fill in basic personal details

  4. Verify your identity

  5. Get your loan limit

  6. Apply for a loan

  7. Wait 15 minutes for approval

  8. Receive money instantly in your M-Pesa

How to Apply for LendPlus Loan Without the App (Website Method)

You can also apply directly on the website without downloading anything:

  1. Open Lendplus.ke

  2. Click Apply for a Loan

  3. Fill in the online form

    • ID number

    • Phone number

    • Employment/income details

  4. Submit your request

  5. Wait for the instant decision (1–15 minutes)

  6. Money is deposited into your M-Pesa

This method works for anyone who cannot install the app or prefers a browser-based application.

How to Log In to Your LendPlus Account

Whether on the app or website:

  1. Open the LendPlus app or visit Lendplus.ke

  2. Click Log In

  3. Enter your registered mobile number

  4. Enter the verification code sent via SMS

  5. Access your dashboard to:

    • Apply for new loans

    • Check loan limits

    • Make repayments

    • Request extensions

How to Increase Your LendPlus Loan Limit

To get up to KES 150,000, do the following:

  • Always repay on time

  • Avoid late fees

  • Borrow only what you can repay comfortably

  • Keep your M-Pesa and ID details updated

  • Use the app regularly

  • Maintain a positive credit score

Good repayment habits will help your limit grow gradually.

Why Choose LendPlus?

  • Licensed and regulated by Central Bank of Kenya

  • Instant M-Pesa disbursement

  • Transparent interest rates

  • No guarantors needed

  • Safe and confidential

  • 24/7 application availability

  • Loan extensions available

Official LendPlus Contacts

✔ Customer Support: +254 709 029 000
✔ Working Hours: 8am – 6pm (Mon–Sun)
✔ Email: customer@lendplus.ke
✔ Website: https://lendplus.ke

Frequently Asked Questions (FAQs)

1. Is LendPlus Loan App Legit?

Yes. LendPlus is a CBK-licensed digital credit provider operating legally in Kenya.

2. How Fast Are Loans Approved?

Loan decisions take 5–15 minutes.

3. How Much Can I Borrow?

From KES 1,000 to KES 150,000 depending on your credit score.

4. How Do I Repay?

Repay through:

  • M-Pesa

  • Bank transfer

  • In-app repayment options

5. Does LendPlus Offer Loan Extensions?

Yes, customers can extend repayment periods when needed.

Final Thoughts

LendPlus stands out as one of Kenya’s most reliable, regulated and user-friendly online lenders. Whether using the mobile app or applying through the website, you can get your loan in less than 15 minutes.

If you’re looking for a fast, safe and legitimate borrowing option, LendPlus is worth considering — especially since it is licensed by the CBK, unlike many unregulated lenders.


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Location: Kenya

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