---
title: "PesaIn: Short-Term Cash Loans in Kenya"
description: "Apply for unsecured loans in Kenya and get funds sent to M-Pesa. Borrow KES 1,000–150,000, repay in 61–91 days; APR about 18.5%–65.5%."
canonical_url: "https://liners.com/pesaln"
markdown_url: "https://liners.com/pesaln.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/pesain/screenshot.webp?v=1780519821924"
published_at: "2026-06-04T16:16:01.907Z"
updated_at: "2026-09-13T20:15:29.438Z"
---

# PesaIn: Short-Term Cash Loans in Kenya

Apply for unsecured loans in Kenya and get funds sent to M-Pesa. Borrow KES 1,000–150,000, repay in 61–91 days; APR about 18.5%–65.5%.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [PesaIn](/pesaln)

## Summary

Short-term loans disbursed to M-Pesa in Kenya

A digital lending app for consumers in Kenya to apply for short-term unsecured loans and receive approved funds directly to an M-Pesa mobile money account.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.pesain.net/ |
| Tagline | Short-term loans disbursed to M-Pesa in Kenya |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

PesaIn is a **digital lending app** for consumers in Kenya who need **short-term, unsecured cash loans** disbursed to **M-Pesa** for expenses such as tuition and emergency repairs.

Key capabilities include:
- **Loan applications in-app**, with registration using a phone number and submission of personal and financial details for credit assessment
- **Unsecured loan amounts** from **KES 1,000 to KES 150,000**, depending on eligibility
- **Direct disbursement to M-Pesa**, allowing borrowers to access funds and cash out at M-Pesa agents
- **Repayment terms** of **61 to 91 days**, with costs reflected as an **APR ranging from about 18.5% to 65.5%**

Available on **Android** and **Web**.

It targets **individual borrowers in Kenya** looking for quick, fully digital access to short-term personal credit.

Notable in the Kenyan fintech market for combining an app-based lending flow with **M-Pesa-linked disbursements**, making credit accessible nationwide within Kenya through a widely used mobile money rail. The service is operated by **Wabema Credit Limited** (Nairobi, Kenya).

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

## Access and citation

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