Tena Pesa

Tena Pesa is a mobile lending app for consumers in Kenya who need short-term credit for emergencies, education, everyday cash flow, and small business needs.

Key capabilities include:

• Fast approval with a preliminary result typically provided within a few minutes after submitting an application
• Fully online application and identity verification completed on a phone, with guided steps from registration to checking an available credit limit
• Direct disbursement of approved funds to a linked bank account (and M-PESA disbursement is referenced in the app store listing)
• Flexible repayment options, including single payment or installments, plus early repayment through the app with no extra fees

Available on Web (tenapesa.com) for information and Android via Google Play.

It targets individual retail borrowers in Kenya, including employees, self-employed workers, and homemakers, with stated eligibility that includes Kenyan citizenship (18+), a national ID, an active M-PESA account, and a stable source of income.

Notable in the Kenyan market context, it positions itself around online-first loan access, clear disclosure of loan ranges and terms in its store listing (approximately KES 1,200 to KES 90,000, with 91 to 210 days repayment terms), and local customer support hours (Monday to Sunday, 9:00 AM to 6:00 PM) with a Nairobi contact address.