In Kenya, we have over 30 digital loan apps provided by different lenders ranging from private fintech companies, network providers as well as banking institutions.

Similarly, they all have different ways of operation in regards to loan limits, approvals, interest rates, loan tenures and repayment methods.

With reference to the latter, loans advanced by network providers eg Mshwari, KCB Mpesa can be easily repaid via the network’s SIM toolkit menu, while the rest can be repaid using the paybill numbers of each individual lenders.

Generally, the procedure to make repayments via paybill number is highlighted below:

  1. Navigate to M-PESA in your phone’s SIM toolkit menu.
  2. Select LIPA NA M-PESA
  3. Choose the PAYBILL option
  4. Enter the BUSINESS NUMBER *this is the paybill number for the specific lender as per below table*
  5. Enter the ACCOUNT NUMBER *this is usually your phone number/ bank a/c number for bank loan apps*
  6. Enter your repayment amount
  7. Enter your M-PESA pin
  8. Confirm that all details are correct and press ‘OK’.
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LOANLOAN PROVIDERPAYBILL NUMBER
Afrika LoanAfrikaloan Kenya697566 
BayesPi Capital Ltd599862
BerryFinberry Capital Ltd977888
BranchBranch International998608
CarbonOne Finance & Investment Ltd 
CashNowPay Loan Investment942312
Cash XpressPremier Credit 
CreditHelaO- Stream CL7186653
EazzyLoanEquity Bank 247247
ExtendMoneyExtendMoney Services 
FlashPesaAmbush Capital Ltd911280 
FulizaSafaricomN/A 
HarakaGetbucks Pty Ltd817910
HelaPesaHela Capital Ltd 
HF WhizzHFC Ltd100400
HiKashHi Kash181169 
IpesaXCredit192010
KakituKakitu LLC221765
KashwayWakanda Credit900068 
KavaKava 580500
KCB MpesaKenya Commercial BankN/A 
KopaDohMobile Opulence Ltd 
KuwazoKuwazo Capital Ltd149719
LionCashLionCash Global309517
LoanBeeWeza Ventures923745
NCBA LoopNCBA Bank880100 
L-PesaL-Pesa Micro Finance 715489
MCoop CashCo-operative Bank Of Kenya400200 
M-FanisiMaisha Microfinance Bank 
MKeyFinserve778588
MomboMombo Group Limited 
MoKashMoCash4023691
MshwariSafaricomN/A 
OkashOneSpot Technology Investment Limited612224
OkoaMiaOkoaMia Ventures519608
OkoleaOkolea International245316
OkoaThaoOkoaThao 519610
OpesaTK Limited606280
PesaFlashFirch International Company Ltd623333
PesaPataPesaPata Ventures Ltd315055 
PesaZonePesaPro Limited754285 
PezeshaPezesha Africa Ltd898927
SaidaGreenShoe Capital Inc998608
ScoppePaddy Micro Investments 519601
SentiRoamtech517910
ShikaAlternative Circle811655
SotiwaSotiwa Ltd568666
StawikaStawika Capital Ltd830685
TajiriTajiri784221
TalaTala Mobile851900
TimizaAbsa Bank Kenya Plc300067
TufaaMine Softwares 
UbapesaUbaPesa Limited144966
UmbaBeatha Technology264130 
Zash loanKopaKash Developer733555
ZazipayZazipay International Ltd 
ZenkaZenka Finance979988