---
title: "Raha Pesa: Loan App in Kenya"
description: "Get instant mobile loans in Kenya: personal KES 1,000–100,000 (91–180 days), business up to KES 500,000, plus 24/7 emergency loans."
canonical_url: "https://liners.com/raha-pesa"
markdown_url: "https://liners.com/raha-pesa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/mkulimapay/screenshot.webp?v=1786021836479"
published_at: "2026-08-08T02:14:14.542Z"
updated_at: "2026-10-01T03:00:38.801Z"
---

# Raha Pesa: Loan App in Kenya

Get instant mobile loans in Kenya: personal KES 1,000–100,000 (91–180 days), business up to KES 500,000, plus 24/7 emergency loans.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Raha Pesa](/raha-pesa)

## Summary

Get instant mobile loans in Kenya with flexible repayment

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.mkulimapay.com/ |
| Tagline | Get instant mobile loans in Kenya with flexible repayment |
| Primary country | Kenya |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

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

## Access and citation

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