---
title: "Daviva: Instant Microloans to M-PESA in Kenya"
description: "Borrow Ksh 500–30,000 in Kenya and get funds to M-PESA in ~10 mins. Repay via Paybill in 61–122 days new users; max APR 912.5%."
canonical_url: "https://liners.com/daviva"
markdown_url: "https://liners.com/daviva.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/daviva/screenshot.webp?v=1786021785799"
published_at: "2026-08-08T03:05:34.525Z"
updated_at: "2026-09-28T05:11:47.643Z"
---

# Daviva: Instant Microloans to M-PESA in Kenya

Borrow Ksh 500–30,000 in Kenya and get funds to M-PESA in ~10 mins. Repay via Paybill in 61–122 days new users; max APR 912.5%.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Daviva](/daviva)

## Summary

Get instant microloans sent to M-PESA in minutes

An online microloan service for Kenyan residents that offers short-term personal loans with quick approval, M-PESA disbursement, and Paybill repayment on web and Android.

## Product details

| Field | Value |
| --- | --- |
| Website | https://daviva.ke/ |
| Tagline | Get instant microloans sent to M-PESA in minutes |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Daviva is a Kenyan online microloan service for individuals who need short-term personal loans disbursed to **M-PESA**.

Key features include:
- **Loan amounts** from **Ksh 500 to Ksh 30,000**, with a stated decision time of about **10 minutes** and a fully online application flow
- **M-PESA disbursement** that sends approved funds directly to the borrower’s mobile money account
- **Repayment via M-PESA Paybill**, with guidance available on the site for paying back or extending a loan
- **Published loan terms and costs**, including repayment periods of **61 to 122 days for new customers** (including extensions) and **61 to 182 days for loyal customers** (including extensions); the site also states a representative maximum **APR of 912.5%** for new customers and provides an example cost for a Ksh 10,000 loan over 61 days

Available on **Web** and **Android** (Google Play).

It targets **Kenyan resident borrowers aged 18+** with an active **M-PESA** account who want small, short-term credit without guarantors or paperwork.

In the Kenyan market, it is notable for emphasizing an end-to-end **mobile money** flow (disbursement and Paybill repayment), publishing example pricing and APR information, and stating it is operated by **PESAKUU CREDIT LIMITED** and **licensed by CBK**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

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

## Access and citation

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