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Safaricom USSD Loans in Kenya: How To Get Quick Loans Via M-PESA

For years, Safaricom has shaped Kenya’s digital finance landscape—moving from a simple mobile wallet to a platform offering instant loans, savings, overdrafts, and business credit. Today, millions of Kenyans rely on M-Pesa for quick financial support, and the easiest way to access these services is still the USSD code system, which works on any mobile phone.

If you’ve ever wondered how to access all Safaricom loans without needing an app or internet connection, this guide breaks everything down clearly.

Ussd loans via M-Pesa in Kenya
Ussd loans via M-Pesa 

Read Also; How to apply for Eleven Kesh Loans in Kenya 

🔑 *The Main Entry Point: 334#

The central gateway to all major M-Pesa services—including loans—is *334#.
Once you dial it and open the Loans & Savings menu, you can access Kenya’s most popular mobile loan products:

📌 Main Personal Loan Products via *334#

Product Type of Credit Access Path Key Feature
Fuliza M-Pesa Overdraft Loans & Savings → Fuliza Helps complete M-Pesa transactions when your balance is low
M-Shwari Savings + Loan Loans & Savings → M-Shwari Instant loans to your M-Pesa wallet
KCB M-Pesa Mobile Banking Loan Loans & Savings → KCB M-Pesa Loans & structured savings linked to KCB Bank
Halal Pesa Shari’ah-Compliant Facility Loans & Savings → Halal Pesa Interest-free financing (Murabaha model) with a 5% margin

🏪 Specialised Business & BNPL Loan Products

Safaricom also partners with fintechs to offer business and merchant-focused loans, often accessed through sub-menus or dedicated USSD codes.

1️⃣ Taasi Pochi (Formerly Mkopo wa Pochi)

For Pochi La Biashara users

Originally called Mkopo wa Pochi and powered by Pezesha, this business loan is now branded as Taasi Pochi under Safaricom’s expanded credit solutions.

✔ What Taasi Pochi Is

A working-capital loan for micro and small businesses that use the Pochi La Biashara wallet to separate personal and business money.

✔ How to Access

Dial:

*334# → Pochi La Biashara → Taasi Pochi
(or the shortcut *334*8#)

✔ Loan Features

  • Limit: Up to KSh 250,000, based on Pochi transaction activity

  • Repayment Options: 7, 14, 21 or 30 days

  • Fee Example: Earlier Mkopo wa Pochi charged 1.09% access fee for 7 days

  • Disbursement: Straight to your Pochi La Biashara account

  • Eligibility: Active Pochi account for at least 6 months

2️⃣ Faraja (Buy Now, Pay Later)

This is Kenya’s leading 0% interest BNPL service offered through select Lipa Na M-Pesa Buy Goods merchants.

✔ Key Highlights

  • USSD Code: *799#

  • Interest: 0% if repaid within 30 days

  • Use Case: Buying goods—not for cash or withdrawals

  • Repayment: Within 30 days to avoid penalties

📋 Summary Table: All Safaricom Loans Accessible via USSD

Loan Product Target Users USSD Access Loan Type
Fuliza Personal *334# Overdraft
M-Shwari Personal *334# Savings + Term Loan
KCB M-Pesa Personal *334# Bank-backed Loan
Halal Pesa Personal *334# Interest-Free (Murabaha)
Taasi Pochi Small Business *334# → Pochi La Biashara Business Loan
Faraja Shoppers *799# Buy Now Pay Later

⚠ Important Advice Before Taking Any Loan

Loan charges, limits, and repayment timelines change regularly. Always:

✔ Check latest terms on *334#
✔ Borrow only what you can comfortably repay
✔ Compare loans—some are cheaper than others
✔ Avoid rolling over loans to prevent debt cycles

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Location: Kenya

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