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A Kenya-based digital lending service that provides instant mobile loans to individuals and SMEs, accessible via Android app and USSD with disbursement to M-Pesa.
Bayes Kenya Product Overview
Is Bayes Kenya Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- M-Pesa loan seekers
- Android phone users
What It Does Well
- Instant mobile loans
- M-Pesa disbursement
Things to Check
- Loan limits
- Repayment terms
About Bayes Kenya
Bayes is a Kenya-based digital lending service for individuals and SMEs that provides instant mobile loans with disbursement to M-Pesa.
Key capabilities include:
- Instant loan requests processed after a user submits the required information, including support for MPESA statement based processing in some cases
- Access to loans through an Android app for mobile application based borrowing
- Access through USSD using 21888# for users who prefer feature phones or do not want to install an app
- A secured and unsecured loan product offering, plus an agent onboarding flow for people who want to become agents
Available on Web and Android.
It targets Kenyan consumers looking for short-term personal micro-loans, plus SMEs seeking mobile credit.
It is notable in the Kenyan market for positioning itself as a licensed Digital Credit Provider (Pi Capital Ltd, trading as Bayes) and for focusing on fast, mobile-first credit access through both app and USSD channels.
Bayes Kenya Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. Learn moreOperates In
Official Links
As of Sep 21, 2026, Bayes Kenya is rated 4.6 on Google Play from 11.9K reviews with 1M+ installs.
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Frequently Asked Questions About Bayes Kenya
Bayes is a Kenya-based digital lending service that offers instant mobile loans to individuals and SMEs, with disbursement to M-Pesa. You can access it through its Android app or USSD, and loan requests are processed after you submit the required information.
Bayes operates in Kenya.
You can sign up through the Bayes app or by using its USSD option. The site also includes an agent onboarding flow for people who want to become agents.
Yes. Bayes has an Android mobile app.
Bayes is best suited for Kenyan consumers looking for short-term personal micro-loans, and for SMEs that need mobile credit.
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