---
title: "Tena Pesa: Loan App in Kenya"
description: "Apply for short-term loans in Kenya: KES 1,200–90,000, decision in minutes, paid to bank/M-PESA, repay in 91–210 days or installments."
canonical_url: "https://liners.com/tena-pesa"
markdown_url: "https://liners.com/tena-pesa.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/tenapesa/screenshot.webp?v=1786021803582"
published_at: "2026-08-08T02:57:48.657Z"
updated_at: "2026-10-06T16:37:03.976Z"
---

# Tena Pesa: Loan App in Kenya

Apply for short-term loans in Kenya: KES 1,200–90,000, decision in minutes, paid to bank/M-PESA, repay in 91–210 days or installments.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Tena Pesa](/tena-pesa)

## Summary

Get short-term loans in Kenya with fast approval

A mobile lending app for Kenyan consumers to apply for short-term loans online, get a decision in minutes, and receive funds to a linked bank or M-PESA account.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.tenapesa.com/ |
| Tagline | Get short-term loans in Kenya with fast approval |
| Primary country | Kenya |
| Platforms | Android, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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.

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

## Access and citation

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