---
title: "Hela Sasa: Mobile Loans in Kenya"
description: "Get unsecured, business or salary loans in Kenya and receive KES to M-PESA in about 5 minutes. 7.85% monthly rate + 1.8% loan insurance fee."
canonical_url: "https://liners.com/hela-sasa"
markdown_url: "https://liners.com/hela-sasa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/helasasa/screenshot.webp?v=1786021733349"
published_at: "2026-08-08T03:15:41.668Z"
updated_at: "2026-09-23T13:47:42.242Z"
---

# Hela Sasa: Mobile Loans in Kenya

Get unsecured, business or salary loans in Kenya and receive KES to M-PESA in about 5 minutes. 7.85% monthly rate + 1.8% loan insurance fee.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Hela Sasa](/hela-sasa)

## Summary

Get instant mobile loans sent to your 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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://helasasa.com/ |
| Tagline | Get instant mobile loans sent to your M-PESA |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## 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](/hela-sasa/alternatives)
- [Reviews](/hela-sasa/reviews)
- [Transparency](/hela-sasa/transparency)

## Access and citation

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