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Get short-term loans to M-Pesa in minutes
A mobile loan app for individuals in Kenya that offers quick in-app loan applications, fast approval, and disbursement to M-Pesa with 0% interest and a fee.
FlashPesa Product Overview
Is FlashPesa Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan individuals
- M-Pesa users
What It Does Well
- In-app loan requests
- Fast loan approval
Things to Check
- Loan limits
- Repayment period
About FlashPesa
FlashPesa is a mobile loan service for individual borrowers in Kenya who need short-term credit for daily needs, emergencies, or business expenses, with funds sent to M-Pesa after approval.
Key features include:
- Loan amounts up to Ksh 80,000, with eligibility based on previous loan performance
- 0% interest stated by the provider, with a small transaction fee per loan
- Repayment terms of 61 to 180 days, designed to support longer payback windows
- In-app application and quick approval, with approval stated to take under 5 minutes and SMS notification after approval
- Customer support via helpline and WhatsApp, plus published Terms & Conditions and Privacy Policy
Available on Android (APK download) and via the web for product information and support.
Built for B2C users in Kenya who prefer applying for digital credit through a smartphone and receiving funds directly into M-Pesa.
Notable in the Kenyan digital credit market because the service is presented as Kenya-only on its FAQ, it identifies Ambush Capital Limited as the company behind it, and it provides clear repayment ranges, pricing structure (fee-based, no interest stated), and local support channels.
FlashPesa 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. How we source dataOperates In
Official Links
What it does
As of Oct 5, 2026, FlashPesa is rated 4.6 on Google Play from 27.3K reviews with 1M+ installs.
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Frequently Asked Questions About FlashPesa
FlashPesa is a mobile loan service for individual borrowers in Kenya. You apply through the app, get approved quickly, and the loan is sent directly to your M-Pesa account.
FlashPesa says there is no interest on the loan, but it charges a small transaction or processing fee on each loan. The site also says loan amounts can be up to Ksh 80,000, depending on your profile and previous loan performance.
FlashPesa operates in Kenya only.
You sign up by downloading the FlashPesa app, creating an account, and completing the short application form with your phone number and other required details. Approval is stated to take under 5 minutes, and you receive an SMS notification after approval.
Yes, FlashPesa has a mobile app for Android.
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