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Get a mobile loan in minutes and receive funds to M-Pesa
A web-based digital lending service for Kenyans that offers unsecured, business, and salary loans with fast approval and disbursement to M-PESA.
Hela Sasa Product Overview
Is Hela Sasa Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyans on M-PESA
- Instant mobile borrowers
What It Does Well
- M-PESA loan disbursement
- Fast approval flow
Things to Check
- Loan limits
- Repayment terms
About Hela Sasa
Hela Sasa is a web-based digital lending service for individuals in Kenya who need fast access to mobile loans sent directly to M-PESA.
Key capabilities include:
- Multiple loan products: Unsecured loans, business loans, and salary loans, with product-specific requirements such as National ID or Passport for unsecured and business loans, proof of income for business loans, and payslip, bank statement, employment contract, and CRB credit score check for salary loans.
- Fast online application flow: A three-step process to enter personal details, get instant evaluation, and receive funds to M-PESA after approval.
- M-PESA disbursement and fee disclosure: Loans disburse in KES to a provided M-PESA number after a stated 1.8% loan insurance fee, with a stated 7.85% monthly rate and “No Hidden Fees” messaging.
- Unsecured access options: Unsecured loans list no collateral required and no CRB review on the product page.
Available on Web.
Targeted at Kenyan consumers including unbanked and underbanked borrowers, salaried employees, and small business owners seeking quick mobile credit.
Notable in the Kenyan market context for its focus on M-PESA-based loan disbursement and its advertised 99% approval rate with an average disbursement time of 5 minutes, operated by Hela Sasa LTD.
Hela Sasa Facts
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What it does
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Frequently Asked Questions About Hela Sasa
Hela Sasa is a web-based digital lending service for Kenyan individuals that provides fast unsecured, business, and salary loans sent directly to your M-PESA account. You submit your details online, the system instantly evaluates your eligibility, and once approved and you pay a 1.8% insurance fee, the loan is disbursed in KES to your M-PESA, typically within minutes.
Hela Sasa loans carry a stated monthly interest rate of 7.85% and require a 1.8% loan insurance fee to be paid before disbursement. There are no hidden fees advertised, but your total cost will depend on the loan amount and duration you choose.
Hela Sasa currently operates in Kenya. Loans are offered to Kenyan borrowers and disbursed in Kenyan Shillings to Kenyan M-PESA accounts.
You sign up for Hela Sasa by visiting the Hela Sasa website, starting the application, and filling in your personal details and loan preferences in the online form. After submitting the required information, you are instantly evaluated, and if approved, you proceed to pay the insurance fee and receive the loan via M-PESA.
Hela Sasa primarily offers a web-based application flow via its website. A separate Helasasa mobile app exists on Google Play, but the core product at helasasa.com is accessed through the web, so you can use the service without installing a mobile app.
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