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How to Get Instant Loans from Tena Pesa Loan App in Kenya via M-Pesa

Tena Pesa is a mobile loan app in Kenya owned by Rapid Finance, built to offer fast, secure, and reliable digital loans to Kenyans who need quick financial support. The app focuses on simplicity—no paperwork, no queues, and no unnecessary complications. Whether you are dealing with emergency bills, medical needs, or short-term cash shortages, Tena Pesa allows you to apply and receive funds directly on your phone through M-PESA.

Tena Pesa is designed for users who value transparency, reasonable interest rates, and a smooth borrowing experience.

Read Also: How to get ZK Pesa Loans via M-Pesa 

Tena Pesa loan app Kenya
Tena Pesa Loan App Kenya 


What Is Tena Pesa Loan App?

Tena Pesa is a fully digital lending platform that provides instant personal loans to eligible Kenyan residents. The application process is simple and paperless, with loan approvals done within minutes. Once approved, funds are sent straight to your M-PESA account, making it convenient for urgent needs.

As a product of Rapid Finance, Tena Pesa emphasizes data security, fair pricing, and responsible lending.

How Tena Pesa Loans Work

Tena Pesa operates through a mobile app where users register, submit basic personal details, and apply for a loan. The system assesses your eligibility and assigns loan limits and repayment terms based on your profile. Approved loans are disbursed instantly, allowing borrowers to access money when it matters most.

Unlike traditional lenders, there are no physical visits or collateral requirements involved.

Tena Pesa Loan Limits, Interest Rates, and Repayment Terms

Tena Pesa offers flexible loan products depending on user eligibility:

  • Loan Amount: KES 1,200 to KES 90,000 (subject to approval)

  • Repayment Period: 91 to 210 days

  • Maximum APR: Up to 19%

  • Estimated Daily Interest Rate: Around 0.05%

  • Disbursement Method: M-PESA

Loan amounts and repayment durations are customized based on your credit profile and repayment ability.

How to Apply for a Loan on Tena Pesa

Getting started with Tena Pesa is straightforward:

  1. Download and install the Tena Pesa app

  2. Register using your mobile phone number

  3. Provide your national ID and basic personal details

  4. Submit your application

  5. Receive funds instantly on M-PESA once approved

The entire process takes only a few minutes.

Tena Pesa Loan Requirements

To qualify for a Tena Pesa loan, you must meet the following conditions:

  • Be a Kenyan citizen aged 18 years or older

  • Have a valid national ID

  • Own an active M-PESA account

  • Have a stable source of income

Meeting these requirements improves your chances of approval and higher loan limits.

Why Choose Tena Pesa Loan App?

Tena Pesa stands out in Kenya’s digital lending space for several reasons:

  • Fast and simple application process

  • No collateral or paperwork required

  • Reasonable interest rates compared to many mobile loan apps

  • Instant M-PESA disbursement

  • Strong data protection and privacy compliance

  • Backed by Rapid Finance, a recognized lender

Tena Pesa Compared with Other Loan Apps in Kenya

When compared to Branch, Tena Pesa offers clearer repayment timelines and more predictable interest costs, while Branch focuses heavily on credit scoring and app data usage. Compared to Zenka, which is popular for very short-term loans and extensions, Tena Pesa provides longer repayment periods that reduce monthly repayment pressure.

Against PesaIn and Linker-Mkopo, Tena Pesa positions itself as a more structured and transparent lender, with defined APR limits and a strong focus on borrower privacy. While some apps emphasize very high loan limits early on, Tena Pesa prioritizes sustainable borrowing and responsible growth of loan limits over time.

Data Security and Privacy

Tena Pesa takes user privacy seriously. The platform uses encryption to protect personal and financial information and complies with Kenyan data protection laws. Your data is handled securely and used strictly for loan assessment and service delivery.

Tena Pesa Contacts

For support or inquiries, you can reach Tena Pesa through:

  • Email: support@tenapesa.com

  • Phone: +254 723 856 491

  • Service Hours: Monday to Sunday, 9:00 AM – 6:00 PM

  • Address: One Africa Place, Waiyaki Way, Westlands, Nairobi

Conclusion 

Tena Pesa is a solid option for Kenyans looking for simple, safe, and smart mobile loans. With flexible loan amounts, fair interest rates, instant M-PESA disbursement, and the backing of Rapid Finance, the app competes well with other popular loan apps in Kenya. If you need quick access to credit without unnecessary complexity, Tena Pesa is worth considering.

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Location: Kenya

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