---
title: "Bayes Kenya: Instant Mobile Loans — Download"
description: "Get instant mobile loans to M-Pesa in Kenya for individuals and SMEs. Borrow via Android app or USSD *218*88#, plus secured/unsecured options."
canonical_url: "https://liners.com/bayes-kenya"
markdown_url: "https://liners.com/bayes-kenya.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/bayes/screenshot.webp?v=1786467890573"
published_at: "2026-08-11T22:35:53.472Z"
updated_at: "2026-09-21T05:11:23.478Z"
---

# Bayes Kenya: Instant Mobile Loans — Download

Get instant mobile loans to M-Pesa in Kenya for individuals and SMEs. Borrow via Android app or USSD \*218\*88#, plus secured/unsecured options.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Bayes Kenya](/bayes-kenya)

## Summary

Get instant mobile loans to M-Pesa in Kenya

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://bayes.co.ke/ |
| Tagline | Get instant mobile loans to M-Pesa in Kenya |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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 *218*88# 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.

## Features

- [Fintech](/categories/fintech): Category
- [Agent Network](/tags/agent-network): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

- [Alternatives](/bayes-kenya/alternatives)
- [Reviews](/bayes-kenya/reviews)
- [Transparency](/bayes-kenya/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/bayes-kenya)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)