Best non-smartphone (Kabambe) USSD loan for instant cash on your phone

Do you need to apply for emergency cash loan in Kenya on your kabambe phone? Meaning you do not have a smart phone? Or you want to access the loan without having to use a mobile loan app. Then look no further, here we list 10 ways which you can apply for a loan using USSD on your phone.

Kabambe-cash-loans-Best mobile USSD loan in Kenya

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 cash on a feature phone i.e kabambe, mulikamwizi or dumb phone. Not only that these services are available on smartphones that ran Google android and apples IOS. Users can access them by dialing the code directly from the phone dialer. Money you qualify for is sent to directly to your mpesa account.

USSD loans in Kenya that don’t need a smartphone to apply

Find the list of top 10 USSD loan to apply for instant cash on your phone below.

#1 Timiza

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.

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 a loan.

To start using the service, use the Timiza ussd code is *848# which you can access by dialing from your phone.

If you need to get in touch with customer service for assistance with Timiza USSD service you can get the details on their website.

To see other services that Timiza offers, step by step instructions and how much you can borrow, check out this complete guide.


#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. Here is a detailed step by step guide on how to access cash loans from this lending platform offered by KCB bank.

To use this service the KCB Mpesa loan dial USSD code *522# from your phone.

#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. It is offered by zenka finance company.

The zenka loan USSD code is *841# which you dial to access on your phone.

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.

#4 HF Whizz

This is a service offered by housing finance company of Kenya and is available directly on your phone. To access the HF Whizz ussd code dial*618# using your phone.

If you have any inquiries about this service offered, you can reach out to HF whizz on their website.


#5 Pesapap

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.

#6 Okao 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.

#7 Hela247

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#.

#8 M-fanisi

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.

The M-fanisi loan USSD code is *281# which you can access by dialing on your phone.

#9 Okolea

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.

#10 Pesa Pata

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?

What does USSD mean when you are applying for a loan using the service? The term USSD stands for unstructured supplementary service data and is sometimes referred to as quick codes or feature codes and you can learn more about it here. This service can ran on any phone, smartphone or feature phone, making it very usable on all phone platforms such as android, IOS and Symbian. All a user need to do is dial the code provided and they will be able to access the service.

Tips when applying for a loan using USSD.

  • Make sure you have enough credit. Despite not using the internet, the USSD service is charged customers a minimum fee by service providers like Safaricom. This fee can normally starts from 1 ksh as shown by safaricom.
  • Take note of your PIN code because you will need it to access the service after you register.

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