In this article I will be sharing the new updated list of USSD Codes a customer can dial to access loans mostly via M-Pesa from either Digital Credit Providers (DCP), Telcos,Saccos,Banks and Microfinance Institutions.
Note that I have included only those USSD codes which are latest and still functional, completely leaving out the expired ones.
It is true that getting a loan or even any other banking service via a USSD Code is much easier and quicker than even via a mobile loan app or banking app.
This is why commercial banks , mobile loan apps and savings & credit cooperatives,telcos were left with no option but to embrace the use of USSD Codes.
In addition to delivering the fastest services, USSD Codes can be used over any mobile phone - on both smartphones and feature phones.
Another advantage of USSD Codes is free or sometimes you may get be charged a small fee , probably Ksh1 for most of the service providers.
USSD Codes Loans in Kenya 2024
A majority of these Ussd codes are associated with M-Pesa, being the widely used mobile money wallet in Kenya.
The list include both free ussd codes and paid (but not expensive).
| No. | Loan/Providers | USSD Codes |
|---|---|---|
| 01. | Faraja Loan | *799# |
| 02. | Fuliza | *234#,*334# |
| 03. | KCBM-Pesa | *334#,*844# |
| 04. | M-Shwari | *334# |
| 05. | Halal Pesa | *334# |
| 06. | Okoa Jahazi | *131# |
| 07. | Timiza Loan | *848# |
| 08. | Zenka Loan | *841# |
| 09. | SC Juza Loan | *772# |
| 10. | Pesa ChaChap | *339# |
| 11. | Okolea Loan | *842# |
| 12. | PesaPap | *325# |
| 13. | KCB Mobile Loan | *522# |
| 14. | KCB Bank | *522# |
| 15. | MCo-opCash Loan | *667# |
| 16. | PesaPata/Paddy Micro | *269# |
| 17. | Cooperative Bank of Kenya | *667# |
| 18. | Family Bank Kenya | *325# |
| 19. | NCBA Bank | *654# |
| 20. | Equity Bank Kenya | *247# |
| 21. | Eazzy Loan | *247# |
| 22. | Cash Xpress/Premier Credit | *241# |
| 23. | Zazipay Loan/MyCredit | *322# |
| 24. | Mwananchi Credit | *684# |
| 25. | Stanbic Bank Kenya | *208# |
| 26. | EcoBank Kenya | *335# |
| 27. | GTBank Kenya | *878# |
| 28. | Guardian Bank Kenya | *356# |
| 29. | Absa Bank Kenya | *224# |
| 30. | UBA Bank Kenya | *368# |
| 31. | Imarika Sacco Mkopo Hewani | *645#,*440# |
| 32. | Gusii Mwalimu Sacco | *879# |
| 33. | Mwalimu National Sacco | *633# |
| 34. | Unaitas Sacco | *493# |
| 35. | Gulf African Bank | *399# |
| 36. | Musoni Microfinance | *279# |
| 37. | KWFT MFB | *378# |
| 38. | Equatorial Commercial Bank | *286# |
| 39. | DTB Bank Kenya | *385# |
| 40. | Consolidated Bank Kenya | *262# |
| 41. | SMEP MFB | *741# |
| 42. | Sotiwa Loans | *243*90# |
| 43. | Okoa Mia | *628# |
| 44. | Okoa Sasa Loan | *884# |
| 45. | Jumo Mobile Kopa Cash | *222#,*334# |
| 46. | M-fanisi Loan | *281# |
| 47. | HF Whizz | *618# |
| 48. | Kopa Doh | *610# |
| 49. | Extend Money | *676# |
| 50. | Platinum Credit | *619# |
| 51. | Nawiri Loans/Progressive Credit | *830# |
| 52. | Chapeo | *483*540# |
| 53. | Stawika Loan | *872# |
| 54. | Kopa Credo/Internet (Airtel) | *221#,*310# |
| 55. | Pewa Credit (Telkom) | *133# |
| 56. | Faulu MFB | *339# |
| 57. | HELB Loans | *642# |
| 58. | 4G Capital Loans | *612# |
| 59. | Access Bank Kenya | *862# |
| 60. | Vooma loan | *844# |
| 61. | M-Kopa Cash Loan | *685# |
| 62. | Watu Credit | *876# |
| 63. | Lipa Mdogo Mdogo | *544# |
| 64. | Okoa Bundles | *544# |
| 65. | Sunking | *305# |
| 66. | Little Pesa Loans | *483*93# |
| 67. | Fanikiwa Loan | *844# |
| 68. | Kenya Bankers Sacco | *293# |
| 69. | Unison Sacco | *882*80# |
| 70. | Bayes Loans/PI Capital | *879*99# |
| 71. | Jiokoe Loan/Postbank Kenya | *346# |
Conclusion
If you've not yet tried USSD codes,then you're missing big already.
Ussd code loans have proven to be the most convenient way to access short term credit.