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A mobile loan app for consumers in Kenya that lets users apply for personal loans up to 200,000 KES and receive funds to M-PESA within minutes.
Koro Product Overview
Is Koro Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan consumers
- Emergency cash needs
What It Does Well
- Loan app on mobile
- Fast loan approval
Things to Check
- Repayment terms
- Interest and fees
About Koro
Koro is a mobile digital lending application for consumers in Kenya who need short-term personal loans disbursed to M-PESA.
Key capabilities include:
- Loan applications up to 200,000 KES, with users selecting a preferred amount in the app
- Fast approval and payout, with funds sent to the borrower’s M-PESA wallet within minutes after approval
- Mobile-first onboarding, with registration and loan applications completed fully in the app (registration and application are advertised as free of charge)
- Support and policy documentation, including customer support phone numbers and email, plus published Privacy Policy and Terms
Available on Android (Google Play) and iOS (Apple App Store), with a web landing site for product information.
Built for individual borrowers in Kenya seeking quick mobile access to personal credit.
It is notable in the Kenyan market for its direct integration with M-PESA, aligning loan disbursement with the country’s most widely used mobile money channel, and for listing Zenka entities (Zenka Finance Limited as lender/data controller, Zenka Digital Limited as developer) based in Nairobi, Kenya.
Koro 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
Pricing & Fees
Variable pricingLoans from KSh 500 to KSh 200,000 with an interest fee of 2.45–39% of principal. Processing fee is KSh 0.
As of Oct 5, 2026, Koro is rated 4.3 on the App Store from 708 reviews and 4.4 on Google Play from 5.4K reviews with 1M+ installs.
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Frequently Asked Questions About Koro
Koro is a mobile loan app for people in Kenya that offers quick personal loans paid to M-PESA. You apply in the app, choose a loan amount, and if approved, the money is sent to your M-PESA account within minutes.
Koro operates in Kenya.
You sign up in the Koro app by downloading it, filling out the short application form, and selecting how much money you need. If approved, you receive the loan in your M-PESA account.
Yes, Koro is available on iOS and Android. You can download Koro on the App Store for iPhone, or get it on Google Play for Android.
Koro is best suited for individual borrowers in Kenya who need short-term personal credit and want the funds sent to M-PESA quickly.
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