PesaIn Loan App Kenya: Access Fast and Flexible M-pesa Loans Without Collateral

In Kenya, access to quick and reliable credit is no longer a complicated affair. Digital loan apps have transformed personal finance, providing instant access to funds without the long queues and excessive paperwork traditionally associated with banks. Among the rising stars in Kenya’s digital lending ecosystem is PesaIn, a modern, secure, and convenient loan app designed to meet your financial needs within minutes.

Whether it’s paying school fees, handling emergency repairs, or funding a short-term plan, PaseIn positions itself as a pocket financial assistant, offering flexibility, speed, and transparency.

Read Also; How to apply for Raha Pesa Loans via M-pesa 

PesaIn Loan App Kenya

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What is PesaIn Loan App?

PeseaIn is a CBK-compliant personal loan platform that allows Kenyan residents to access unsecured loans directly to their M-PESA accounts. It’s designed for simplicity, security, and speed, ensuring borrowers can get the funds they need without collateral or guarantors.

Why Choose PesaIn?

1. Flexible Loan Amounts: Borrow between KES 1,000 – 150,000, with the ability to increase your limit over time by repaying on time.

2. Fast Disbursement: Approved loans are immediately sent to your M-PESA account, often within minutes.

3. Simple and Transparent Fees: No hidden charges; all interest and service fees are disclosed upfront.

4. Secure Data Handling: PaseIn uses modern encryption technology to protect all personal information.

5. Flexible Repayment Options: Choose a repayment plan that works for you, including partial early repayment.

6. Unsecured Loans: No need for collateral or guarantors.

7. Credit Limit Growth: Timely repayments can increase your credit limit, giving you access to larger loans.

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PesaIn Loan Information

• Loan Amount: KES 1,000 – 150,000

• Repayment Term: 61 – 91 days

• Annual Percentage Rate (APR): 18.5% – 65.5%

Representative Example:

• Loan Principal: KES 10,000 (91 days)

• Annual Interest Rate: 28%

• Service Fee: 5%

• Total Interest: KES 700 (10,000 × 28% × 91 ÷ 365)

• Total Service Fee: KES 500

• Total Fees: KES 1,200

• Total Repayment Amount: KES 11,200

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Who Can Apply for a PesaIn Loan?

• Kenyan citizens aged 18+

• Must have a valid ID and phone number

• Must own an M-PESA account (disbursements only go to M-PESA)

• Must have a stable source of income (payslip not required)

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How to Apply for a PesaIn Loan

Step 1: Download the App

• Available on Google Play Store (check official site for APK if needed)

Step 2: Register

• Sign up using your phone number and provide basic personal information

Step 3: Apply for a Loan

• Enter the loan amount and repayment period, then submit your application

Step 4: Receive Funds

• Once approved, money is instantly sent to your M-PESA account

Step 5: Repay on Time

• Repay by the due date to build your credit profile and increase future limits

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Privacy and Data Protection

PaseIn takes data security seriously. All collected information is encrypted and used strictly for loan approval and management. PaseIn ensures that your personal information is never shared without your consent.

Privacy Policy: https://www.pesain.net/h5/secretPage.html

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PesaIn Loan App Contacts

• Email: service@pesain.net

• WhatsApp: +254 108394589

• Address: Katani Road, Nairobi, Machakos, Kenya

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Comparison: PesaIn vs Other CBK-Licensed Loan Apps

Here’s how PesaIn compares with other CBK-regulated loan apps in Kenya:

Loan App	Owner	Loan Amount (KES)	Term (Days)	APR / Interest Rate	Processing Fee	Key Feature
PesaIn	PesaIn Ltd	1,000 – 150,000	61 – 91	18.5% – 65.5%	0 KSh	Flexible repayment, credit limit growth, unsecured
Koro	Zenka Digital Limited	500 – 200,000	61 (first loan)	2.45% – 39% / 30–4432%	0 KSh	Top-ups & extensions, high credit limit
Fair Kash+	Fair Kash+	3,000 – 100,000	91 – 365	3% – 18% per year / 20.1–80.2% APR	0 KSh	Revolving credit line, borrow repeatedly
Pawa Kash	Pawa Kash	Up to 50,000	3 – 60 months	Max 24% annual	0 KSh	Long-term flexible repayment, M-PESA disbursement
Choice Sasa	Choice Microfinance Bank	500 – 150,000	61 – 180	36.5% – 103.5% p.a.	0 KSh	Fast approval, transparent fees
Beta Pesa	Beta Pesa	Up to 50,000	91 – 360	Max 24% annual	0 KSh	24/7 access, flexible repayment periods
Raha Pesa	Raha Pesa Ltd	5,000 – 500,000	91 – 180	16% – 34%	0 KSh	Instant M-PESA disbursement, no collateral

PaseIn sits comfortably among these CBK-approved platforms, particularly for borrowers looking for medium-term loans with flexible repayment options and the ability to grow their credit limit over time.

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Conclusion and Loan App Warning

The PesaIn Loan App is a reliable, secure, and user-friendly choice for Kenyans needing fast access to funds. Its CBK license guarantees regulatory compliance, transparency, and safety for borrowers.

Important Warning:
While digital loan apps are convenient, misuse can lead to financial stress. Borrow responsibly by:

• Only taking loans you can repay on time

• Comparing interest rates and fees before borrowing

• Avoiding unlicensed apps or schemes that promise “easy money”

By borrowing responsibly, you can use PaseIn and other CBK-regulated apps to meet financial needs, build your credit history, and enjoy the benefits of digital lending safely.