iPesa loan app: Apply for iPesa mpesa loan fast and easily

If you are in need of a quick cash loan in Kenya, then you need to apply for an iPesa loan using the app. It is one of the new Kenyan loan apps that allow you to apply and qualify for an instant mpesa loan quickly in Kenya.

apply for an ipesa loan


Not only can you apply for a loan with no bank account, but also the ipesa loan app sends the money directly to your m-pesa account.

Follow the steps below to apply for a loan.

How to apply for an iPesa loan

Follow these steps to apply for an iPesa loan

  1. Start by downloading the iPesa loan app from the playstore.
  2. Then Install the app on your phone.
  3. Open the app and register for an iPesa account.
  4. Log in to the app with your account.
  5. Press apply now.
  6. Confirm the details of the loan under credit result.
  7. Press next step.
  8. You will be shown the details of your loan e.g. ‘Approved a loan up to Ksh 2500
  9. Accept the terms of use and privacy policy
  10. Press submit.
  11. Ipesa will review your loan application quickly.
  12. The loan application will be successful
  13. Ipesa will then send you the money through mpesa.
  14. You will receive a confirmation message from XGO_IPESA confirming the loan has been sent.

Yes, financial emergencies can get us off guard. For example, you may have a medical emergency. Or you could need a quick loan to do shopping in the middle of the month. Not only that, you could run out of electricity tokens in your house, or even gas for cooking food. Not to worry, iPesa is here to help.

However, before you apply for the ipesa loan on the app, you must first download it on your phone. Here is how you download and install the ipesa app on your phone.

Download and install Ipesa app on your phone

To download the iPesa app on your phone, follow these steps: 

  1. Open the Google play store on your phone
  2. Type iPesa loan app to search for apps
  3. Select iPesa – Easy and fast credit loans by Xcredit
  4. Press install (Rating: 4.5 | Size: 5.7 mb)
  5. Next press accept to confirm rights iPesa needs to access on your phone (Contacts, Location, Photos/Media/Files, Camera. WiFi connection information, Device ID & call information, Other)
  6. Wait for iPesa to download and install on your phone.
  7. Press open to access the app and start borrowing money.

So now you have the iPesa app installed on your phone and are ready to apply for a loan. Before getting to the part of applying for an iPesa loan, you will need to register for an iPesa account.

How do you do this? Well, follow the steps below to register for an iPesa account.

How to register for an iPesa account

Here is how you register for an iPesa account:

  • Open the iPesa app
  • Select new register.
  • Under Please enter your mobile number input your Safaricom mobile number
  • Press new register
  • Wait for your SMS verification code to be sent to your phone.
  • Next, enter verification code.
  • Now, set a 4-digit password and confirm the password.
  • Accept the iPesa terms of use and privacy policy.
  • Select Finish register.

Now that you have successfully registered for an ipesa account, the final step when you apply for an iPesa loan is to fill in the iPesa loan application. Not to worry, we have the complete step-by-step guide on how to fill in the ipesa application form below.

How to fill in the iPesa application step by step

For the most part, the ipesa application form is made up of three parts; personal info, working info, and family info. Each of these areas needs to be filled in and completed as accurately as possible in order for you to qualify for an iPesa loan.

Personal info:

loan application form ipesa

The details you fill in here are:

Names: iPesa asks for;

  • your first name
  • middle name
  • Last name

Date of birth: when were you born? This field is marked with an * because it’s necessary you fill it in.

Gender: A straightforward question that requires you to choose;

  • Male
  • female

National ID: one of the requirements to apply for an ipesa loan is your Kenyan ID, and they ask for this here.

Region: Which region in Kenya do you stay? The options given for you to choose from are;

  • Nairobi
  • Kakamega
  • Nakuru
  • Bungoma
  • Meru
  • Kisii
  • Kilifi
  • Machakos
  • Mandera
  • Kitu
  • Kisumu
  • Joma Bay
  • Murang’a
  • Mombasa
  • Migori
  • Trans –Nzoia
  • Makueni
  • Turkana

Address: After you have filled in your region, the next part to complete is your postal address

Personal Email: Fill in your personal email address.

Marital status: yes, they go as far as asking where you stand i.e. are you single, taken, or if you’ve lost someone recently. Here are the exact options you are required to fill.

  • Single
  • Married
  • Divorce
  • Widow/widower
  • other

Education Degree: Another field you must fill in when completing the ipesa application is your education level. This includes options such as:

  • Primary school
  • Middle/High school
  • Collage/university
  • Master/Dr.
  • None.

Religion: This part of the application form seeks to find out what your religion is. Select from these options;

  • Christian
  • Islam
  • others

Do you have any outstanding loan: iPesa would like to know if you have borrowed money from another source. The choices are;

  • Yes
  • No

Once you are done filling in this section, then press next. We now move on to the next part of the loan application form which needs you to fill in your working info.

Working Info

This section of the ipesa application form is to get information that is about your workplace.

ipesa loan application working info

The details you fill in here are:

Work status: how do you earn your income, that’s if you earn any. Are you a

  • Employee
  • Self Employee
  • No income
  • Employer
  • Students

Frequency of Salary Paid: And how often is it that you get paid this income? Select the option that best describes you.

  • Monthly
  • Weekly
  • Daily

Monthly income: What this field requires to fill in the ipesa application form is how much money do you earn. The ranges offered are;

  • Less than 5000 KES
  • 5001 – 10000 KES
  • 100001 – 15000 KES
  • 150001 – 25000 KES
  • Above 25000 KES

Payday: Here, ipesa wants you to fill in which day of the month the money is paid to you.

  • This ranges from 1 – 31

After successfully completing the working info section in the ipesa loan application, you reach the final part you need to fill in, Family info

Family Info:

Luckily, this is the final section of the ipesa loan application. Finally! And also the shortest. In general, this part seeks two emergency contacts who are family or friends.

ipesa loan application family info

  • 1st Emergency contact (Family) and 2nd Emergency contact () and details;
  • Name
  • Home number

Relationship: How are you related to the person you put the number in.

  • Brother
  • Friend
  • Colleague
  • Classmate
  • sister

The details you fill in here are

1st Emergency contact (Family) their name, phone number and relationship

2nd Emergency contact (Family) their name, phone number and relationship

Press next step.

Be sure to answer these questions as accurately as possible as ipesa can reference them to other databases to check the accuracy of your answers.


The iPesa loan app makes it easy for users to apply for a loan on the mobile lending platform, without filing physical forms or having security. However for you to be successful with applying for a loan on iPesa, you need to first, download and install the app on your mobile phone. Second, you will need to register for an ipesa account which enables you to access the loan facility. The final step is to fill in the ipesa application form.

Once you have followed these procedures, you will be one step closer to qualifying for an instant m-pesa loan from the ipesa app.

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