Question 1

What is Tena Pesa and how does it work?

Accepted Answer

Tena Pesa is a mobile lending app that lets consumers in Kenya apply for short-term loans on their phone, get a decision in minutes, and receive approved funds directly to a linked bank or M-PESA account. You complete a fully online application and identity verification, then choose your repayment option (single payment or installments) and repay through the app, including early repayment without extra fees.

Question 2

How much does Tena Pesa cost?

Accepted Answer

Downloading and using the Tena Pesa app is free, and you only pay interest and any disclosed fees on the loans you take. Loan pricing is transparently shown in the app, with APRs up to around 19 percent and an estimated daily rate of about 0.05 percent, applied to your approved loan amount and term.

Question 3

What countries does Tena Pesa operate in?

Accepted Answer

Tena Pesa operates in Kenya and is explicitly targeted at Kenyan users. Eligibility requires Kenyan citizenship, a valid national ID, and an active M-PESA account.

Question 4

How do I sign up for Tena Pesa?

Accepted Answer

To sign up for Tena Pesa, you download the Android app and follow the guided registration steps on your phone, including providing your details and completing identity verification. Once registered, you can check your available credit limit and submit a loan application directly in the app.

Question 5

Does Tena Pesa have a mobile app?

Accepted Answer

Yes, Tena Pesa has a mobile app for Android, available via Google Play. The app is used for registration, loan application, identity verification, and managing repayments.

Question 6

Who is Tena Pesa best suited for?

Accepted Answer

Tena Pesa is best suited for individual consumers in Kenya who need short-term credit, such as employees, self-employed workers, homemakers, and small business owners. It is particularly useful for covering emergencies, education costs, everyday cash flow needs, and small business expenses.

Question 7

How do I contact Tena Pesa support?

Accepted Answer

You can contact Tena Pesa support by email at support@tenapesa.com or by phone during their service hours. Support is available Monday to Sunday from 9:00 AM to 6:00 PM, and the registered contact address is One Africa Place, Waiyaki Way, Westlands, Nairobi.

Question 8

Does Tena Pesa have a plan for teams or businesses?

Accepted Answer

No, Tena Pesa does not offer a specific plan for teams or businesses. It is designed primarily for individual retail borrowers rather than corporate or group accounts.

Question 9

Does Tena Pesa offer an API or integrations?

Accepted Answer

Tena Pesa does not provide a publicly documented API or official developer integrations. There is no public API portal or integration listing associated with the product at this time.

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