Here we take you through mobile loans in Kenya that you can apply for without installing an app. Do you need to apply for an emergency cash loan in Kenya on your kabambe phone? Meaning you do not have a smartphone? Or you want to access the loan without having to use a mobile loan app. Then look no further, here we list 10 ways in which you can apply for a loan using USSD on your phone. These loans are also known as SMS loans in Kenya through mobile phones and can be accessed through USSD straight to mpesa.
Requesting for a loan and having the money sent to your phone using USSD will work on any phone. This means you can apply for an instant cash loan on a feature phone i.e kabambe, mulikamwizi or dumb phone. Users can access them by dialling the code directly from the phone dialer. The money you qualify for is sent directly to your mpesa account.
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USSD mobile loans that you can apply for in Kenya – no smartphone required
If you are looking for easy loans without a smartphone, then you’re in the right place. Find the list of top 10 USSD loans to apply for instant cash on your phone in Kenya.
Find the list of best mobile mpesa loans in Kenya that you can apply for without using an app below.
Timiza is a banking service that is offered by ABSA bank (formerly Barclays bank). Using their USSD service, new users can register on the platform and apply for a loan.
To start using the service and apply for a loan, dial the Timiza USSD code *848# from your phone. Next, follow the instructions on the screen.
Note: To use the Timiza service, you do not have to have an ABSA account. Quickly and easily register for a new account and apply for an instant loan without a smartphone.
If you need to get in touch with customer service for assistance with Timiza USSD service you can get the details of Timiza customer care here.
To see other services that Timiza offers, step-by-step instructions and how much you can borrow, check out this complete guide. Also, if you need more information from ABSA about the Timiza loan service you can click here.
2. KCB MPesa
The KCB mpesa service is another way to get a loan in Kenya through USSD code. Not only that, this service can be accessed directly from the mpesa menu on your phone.
Now to apply for a loan from KCB Mpesa, dial USSD code *522# from your phone. Follow the instructions to get a mobile mpesa loan on your non-smartphone or Kabambe.
Here is a detailed step by step guide on how to access cash loans from this lending platform offered by KCB bank.
3. Zenka loan
This cash lending app is available both on an app and also through the USSD service in Kenya. Zenka offers quick cash loans sent directly to your mpesa account and can give Kenyans a loan without a smartphone.
The zenka loan USSD code is *841# which you dial to access on your phone. That is how you get a zenka loan without a smartphone, and the money will be sent to your mpesa on your mobile phone.
Now to apply for a loan from zenka, dial USSD code *841# from your phone. Follow the instructions to get a mobile mpesa loan on your non-smartphone or Kabambe.
Need more details about the zenka loan for example interest rates, repayment period and maximum and minimum amounts, check out this complete zenka loan app guide. It is offered by zenka finance company.
Note: The zenka loan USSD code is *841# which you dial to access on your phone. From this service, you can check loan limit and also see whether you qualify for a loan on a non-smartphone.
4. HF Whizz
This is a service offered by the housing finance company of Kenya and is available directly on your phone. To access the HF Whizz ussd code dial *618# using your phone and proceed to apply for a mobile loan.
If you have any inquiries about this service offered, you can reach out to HF whizz on their website.
Pesapap is a popular banking service that gives cash loans through their USSD service. It is offered by family bank of Kenya and comes with banking services to once you have registered.
To access the pesapap ussd loan dial code *325# on your phone. If you have any questions about the service, you can reach the pesapap team on the website.
Okoa mia loans
Okoamia is a unique USSD loan service offered by okoamia ventures. If you need to apply for a loan on okoa mia then dial the okoa mia USSD code *628# on your phone.
In case you have questions about the service, you can get support by visiting their website.
Another way to access loans via USSD without a smartphone is by using the Hela247 service which is offered by Century MFB.
The Hela247 loan USSD code is *871# which you dial to access on your phone. That is how you get a Hela247 loan without a smartphone, and the money will be sent to your mpesa on your mobile phone.
This service is offered by maisha bank and has provided a USSD code that a user looking for a cash loan can use to access services.
To start using the service and apply for a loan, dial the M-fanisi loan USSD code *281# from your phone. Next, follow the instructions on the screen. And that’s another way of getting a mobile loan in Kenya with no app installation. The money you qualify for will be sent directly to M-Pesa.
Okolea is one of those unique loan offering services that operate both using an android phone app and a USSD code. Offered by Okolea international, the service allows you to apply for a loan using any phone in Kenya.
To start using okolea loan, dial the USSD code is *842# from your phone. next, follow the instructions on the screen to register for an account and then proceed to apply for a mobile loan. All this can be done on a kabambe phone.
This is the last USSD loan service platform that we cover in this article. Pesa pata is offered by Paddy Micro Investments Company.
To access the Pesa pata loan USSD code dial *269# on your phone and follow the instructions.
What is USSD?
The term USSD stands for unstructured supplementary service data and is sometimes referred to as quick codes or feature codes. This service can run on any phone, smartphone, or feature phone, making it very usable on all phone platforms such as android, IOS, and Symbian. i.e. kabambe phones and mulikamwizi handsets as we know them in Kenya. All a user needs to do is dial the code provided and they will be able to access the service.
So that is what it means when you are applying for a loan using the USSD service. For more info on USSD, you can learn more about it here.
Tips when applying for a loan using USSD – non-smartphone loans
When applying for a non-smartphone loan, there are a few tips that can help you qualify for the money they lend quickly and easily. Find below some tips to follow when applying for a loan without downloading an app.
Make sure you have enough credit
Despite not using the internet, the USSD service charge customers a minimum fee through service providers like Safaricom. This fee can normally start from 1 Ksh as shown by safaricom.
Master your PIN when you register
Take note of your PIN code because you will need it to access the service after you register.
These non-smartphone loans can come in handy especially if you are looking to apply for emergency loans in Kenya via mpesa yet your phone is a kabambe. That’s right, these are loans without an app that all Kenyans apply for without using a smartphone.
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