What is the best Hustler Fund alternative in Kenya for everyday mobile money?

For day-to-day mobile money in Kenya, M-PESA is the closest “instead of Hustler Fund” option because it is built for sending, receiving, and paying from your phone. It also supports bill payments and, in supported markets, includes savings and loans as part of the service.

What can I use instead of Hustler Fund in Kenya for a fast cash loan?

If you want an app-style cash-loan experience in Kenya, try LEO CASH or LendPlus. LEO CASH states decisions in about 3 minutes and lists repayment terms of 91 to 365 days, which is a different structure from a USSD-first programme.

Which apps are like Hustler Fund for saving money from mobile money?

For savings-focused alternatives, Chumz and XENO are strong picks. Chumz is available in Kenya and Rwanda and is built around saving from mobile money toward goals, while XENO supports goal-based saving and investing in Kenya and Uganda.

Is Hustler Fund available outside Kenya?

No, Hustler Fund operates in the Republic of Kenya only. If you need a similar service in multiple African markets, Mukuru is a better comparison point because it is a pan-African platform focused on cross-border money transfers with wallet and cash pickup options.

How does Hustler Fund pricing compare with loan apps like Zenka or LEO CASH?

Hustler Fund does not charge subscription fees, but it applies interest pricing, commonly stated as about 8% p.a. within the standard term and about 9.5% p.a. when delayed or in a higher tier. Alternatives such as Zenka use risk-based pricing, and LEO CASH positions its loans with longer stated terms (91–365 days), so the “cheapest” option depends on your offer and repayment timing.

Do Hustler Fund competitors pay out to M-Pesa?

Yes, several Hustler Fund competitors are built for M-Pesa disbursement, including Meta Loan, Kashbean, and Zenka. If you prefer repayment flexibility beyond a wallet, Choice Sasa Loan also supports repayment to M-Pesa or a bank account.

How do I switch from Hustler Fund to another option without changing my phone line?

You can keep the same SIM and wallet, then apply directly on the alternative’s channel, for example the app or web flow used by LendPlus. If your priority is staying inside your wallet for payments and bills, start with M-PESA since it already sits on the mobile money rail you use.

66 Best Hustler Fund Alternatives & Competitors (2026)

The most practical Hustler Fund alternatives in Kenya are M-PESA, LEO CASH, Chumz, Meta Loan, and LendPlus. The right choice depends on whether you want a loan, a savings-only option, or a broader mobile money account you already use daily.