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
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| PesaIn Loan App Kenya |
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?
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Flexible Loan Amounts: Borrow between KES 1,000 – 150,000, with the ability to increase your limit over time by repaying on time.
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Fast Disbursement: Approved loans are immediately sent to your M-PESA account, often within minutes.
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Simple and Transparent Fees: No hidden charges; all interest and service fees are disclosed upfront.
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Secure Data Handling: PaseIn uses modern encryption technology to protect all personal information.
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Flexible Repayment Options: Choose a repayment plan that works for you, including partial early repayment.
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Unsecured Loans: No need for collateral or guarantors.
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Credit Limit Growth: Timely repayments can increase your credit limit, giving you access to larger loans.
PesaIn Loan Information
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Loan Amount: KES 1,000 – 150,000
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Repayment Term: 61 – 91 days
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Annual Percentage Rate (APR): 18.5% – 65.5%
Representative Example:
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Loan Principal: KES 10,000 (91 days)
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Annual Interest Rate: 28%
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Service Fee: 5%
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Total Interest: KES 700 (10,000 × 28% × 91 ÷ 365)
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Total Service Fee: KES 500
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Total Fees: KES 1,200
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Total Repayment Amount: KES 11,200
Who Can Apply for a PesaIn Loan?
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Kenyan citizens aged 18+
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Must have a valid ID and phone number
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Must own an M-PESA account (disbursements only go to M-PESA)
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Must have a stable source of income (payslip not required)
How to Apply for a PesaIn Loan
Step 1: Download the App
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Available on Google Play Store (check official site for APK if needed)
Step 2: Register
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Sign up using your phone number and provide basic personal information
Step 3: Apply for a Loan
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Enter the loan amount and repayment period, then submit your application
Step 4: Receive Funds
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Once approved, money is instantly sent to your M-PESA account
Step 5: Repay on Time
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Repay by the due date to build your credit profile and increase future limits
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
PesaIn Loan App Contacts
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Email: service@pesain.net
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WhatsApp: +254 108394589
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Address: Katani Road, Nairobi, Machakos, Kenya
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.
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:
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Only taking loans you can repay on time
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Comparing interest rates and fees before borrowing
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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.
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