---
title: "Hustler Fund: Mobile Loans and Savings in Kenya"
description: "Get instant unsecured loans and save via *254# in Kenya. Borrow KES 100–50,000 for 14 days at 8% p.a.; repay via M-Pesa, Airtel Money or T-Kash."
canonical_url: "https://liners.com/hustler-fund"
markdown_url: "https://liners.com/hustler-fund.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/hustlerfund/screenshot.webp?v=1782412873342"
published_at: "2026-06-27T01:28:22.343Z"
updated_at: "2026-09-23T20:40:03.840Z"
---

# Hustler Fund: Mobile Loans and Savings in Kenya

Get instant unsecured loans and save via \*254# in Kenya. Borrow KES 100–50,000 for 14 days at 8% p.a.; repay via M-Pesa, Airtel Money or T-Kash.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Hustler Fund](/hustler-fund)

## Summary

Instant mobile loans and savings via USSD in Kenya

A Kenyan government digital fund offering instant unsecured mobile loans and savings via USSD, with disbursement and repayment through M-Pesa, Airtel Money, or T-Kash.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.hustlerfund.go.ke/ |
| Tagline | Instant mobile loans and savings via USSD in Kenya |
| Primary country | Kenya |
| Platforms | Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

The Financial Inclusion Fund (FIF), popularly known as Hustler Fund, is a Kenyan government-backed digital program that provides **unsecured mobile loans** and **savings products** for low-income earners, informal sector workers, and micro and small business owners.

Key capabilities include:
- **USSD-based borrowing** via **\*254#** on Safaricom, Telkom, or Airtel, with **instant approval** and disbursement to mobile money wallets.
- **Personal Loan** terms for small-ticket credit, **KES 100–50,000** over **14 days**, priced at **8% p.a.** (with **9.5% p.a.** if repayment is delayed beyond 14 days).
- **Bridge Loan** access for borrowers with strong repayment history, offering higher limits with **stepped pricing** (8% p.a. if repaid within 30 days; 9.5% p.a. if repaid between 31–60 days).
- **Savings options** including **Mandatory Savings** and **Voluntary Savings**, plus **product tutorials**, FAQs, and guidance on the **Hustler Rating** used to determine eligibility and limits.

Available via **USSD (\*254#)** for transactions and a **web portal** for product information and resources; loan disbursements and repayments use **M-Pesa, Airtel Money, and T-Kash**.

Target users include **individual Kenyan citizens**, especially those in the **informal sector**, plus groups and MSMEs where applicable.

It is notable in Kenya’s fintech and MSME landscape as a national financial inclusion initiative launched in **2022**, designed to expand access to affordable credit and savings for underserved segments through widely used mobile networks and mobile money rails.

## Features

- [Fintech](/categories/fintech): Category
- [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
- [Savings](/tags/savings): Product feature or technology
- [USSD](/tags/ussd): Product feature or technology
- [Kenya](/countries/kenya): Market

## Related pages

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

## Access and citation

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