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A mobile lending app for consumers and small business owners in Kenya to apply for personal, business, and emergency loans with quick approvals and same-day disbursement.
Raha Pesa Product Overview
Is Raha Pesa Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Kenyan consumers
- Small business owners
What It Does Well
- Mobile loan applications
- Fast approval decisions
Things to Check
- Loan limits offered
- Repayment period options
About Raha Pesa
Raha Pesa is a mobile-based digital lending app by MKULIMAPAY CREDIT LIMITED that helps consumers and small business owners in Kenya access short-term credit from their smartphones.
Key capabilities include:
- Personal loans from KES 1,000 to KES 100,000, with 91 to 180 days repayment terms
- Business loans up to KES 500,000, designed for business financing needs
- Emergency loans with 24/7 availability, instant approval, and same-day disbursement
- Mobile-first loan management, letting users apply, manage, and repay loans through the app
Available on Android (Google Play).
Built for individual borrowers and SMEs in Kenya who need fast, app-based loans without collateral.
Notable for its focus on financial inclusion in Kenya, serving underbanked communities while emphasizing AI-powered processing for quicker decisions and bank-level security. MKULIMAPAY CREDIT LIMITED states it is licensed by the Central Bank of Kenya and regulated by Kenyan authorities.
Raha Pesa 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. Learn moreOperates In
Official Links
What it does
As of Sep 21, 2026, Raha Pesa is rated 4.4 on Google Play from 39K reviews with 100K+ installs.
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Frequently Asked Questions About Raha Pesa
Mkulimapay, through its Raha Pesa app, is a mobile-based digital lending service that lets users in Kenya apply for personal, business, and emergency loans directly from their smartphones with quick approval and same-day disbursement. You download the app, create an account, apply for a loan amount and term, then receive funds to your mobile money account and repay over the agreed period within the app.
Raha Pesa charges interest at competitive rates, but specific pricing details such as exact interest percentages, fees, or penalties are not disclosed publicly. You will see the cost of your loan, including rates and any applicable charges, in the app during the loan application process before you accept.
Raha Pesa currently operates in Kenya. The Raha Pesa lending service and its loan products are tailored to the Kenyan market and regulated under Kenyan financial authorities.
To sign up for the Raha Pesa service, you install the Android app from the Google Play Store, then register with your mobile number and required personal details and follow the in-app steps to create your account. After registration and verification, you can submit a loan application directly in the app.
Yes, Raha Pesa is available on Android. Get Raha Pesa on Google Play for Android.
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