KCB loans to M-PESA KCB-MPESA – are you looking for KCB loan to your m-pesa? we have compiled you all you need to know about KCB-M-PESA loan how to use and get loans directly to your M-PESA account in simple steps, KCB Bank Kenya Limited is a financial services provider headquartered in Nairobi, Kenya. It is licensed as a commercial bank, by the Central Bank of Kenya, the national banking regulator. The bank has also been running Agency banking model. There are many advantages of using KCB-MPESA loan app compared to other mobile loans app and they include;

The KCB M-PESA loan account is a micro-credit product which gives you access to a loan; may it be for an emergency, to fund a project or enterprise.

  1. Access loan limits from as low as Ksh.1000 and up to Ksh.1million
  2. Enjoy repayment period of one month
  3. Loan repayment can be made via M-PESA, or from the KCB M-PESA account
  4. You top up continuously until you achieve your target.
  5. You can deposit money into the target account through:
  7. You can choose from target periods of 1 up to 12 months with a minimum contribution of KES 50.
  8. You earn interest on cumulative interest.
  9. Early withdrawal of funds from Target Savings is allowed subject to withdrawal of the entire amount saved. Total interest on savings will be earned to the day of the withdrawal.
  10. You get cash back immediately to your KCB M-PESA account on prompting cash back.
  11. Minimum target period is 1 month.
  12. Enjoy attractive Interest rates of 6.3% p.a. on your savings.


How to apply for KCB m-pesa loan in simple steps

  1. Go to M-PESA menu.
  2. Select loans & savings.
  3. Select KCB M-PESA.
  4. Select loans.
  5. Request loan.
  6. Enter amount.
  7. Enter M-PESA PIN & submit.
  8. Loan amount will be sent to your KCB M-PESA Account. To access the loan, withdraw the money to your M-PESA for FREE.
  9. The loan amount to be paid will be in inclusive of the facility fee.

How to qualify for KCB m-pesa loans

  1. Be an M-PESA subscriber for 6 months
  2. Save on KCB M-PESA
  3. Actively use other Safaricom services such as voice, data and M-PESA.

KCB M-PESA is a savings and loan service that enables M-PESA customers to;

  • Save as little as Kshs. 1, and access credit from Kshs. 1000.
  • Earn interest of up to 6.3% p.a. on your saving balance.
  • Save for a fixed period of time
  • Access loans instantly, credited to your M-PESA account from a minimum Kes 1000 and up to Kes 1million charged a facility fee of 8.64% being Loan fees of 7.35% and 1.29% Excise duty

 No forms to fill, no branches to visit. Just one click on your phone and you have a savings account with access to instant loans!

How to check KCB m-pesa loan limit

  • Go to M-PESA menu 
  • Select Loans and Savings 
  • Select KCB M-PESA 
  • Select Loan 
  • Select Check Loan Limit.

How to pay for KCB m-pesa loans

  1. Using Safaricom Toolkit
  • Go to M-PESA menu 
  • Select Loans and Savings
  • Select KCB M-PESA
  • Select Pay Loan 
  • Select to pay from M-PESA or from your KCB M-PESA Account 
  • Enter amount & follow prompts to complete.

 2. Using M-PESA Paybill 522559

  • Go to M-PESA menu
  • Select Lipa na M-PESA
  • Select Paybill & Enter Business & enter 522559 as Business Number
  • Select Account no. & enter “Borrower’s ID number e.g. 12345678’’

Enter amount & follow prompts to complete

How to withdraw or deposit your KCB m-pesa loans

  1. To deposit from M-PESA
  • Access the KCB M-PESA menu.
  • Select Deposit from M-PESA.
  • Enter the amount and commit.
  • Your M-PESA will be deducted and your KCB M-PESA Account credited with the amount.

 2. To withdraw to M-PESA

  • Access the KCB M-PESA menu.
  • Select Withdraw to M-PESA.
  • Enter the amount and commit.
  • Your KCB M-PESA Account will be deducted and your M-PESA Account credited with the amount.

KCB m-pesa contacts

Email: contactcentre@kcb.co.ke;Tel: +254 (711) 087001; Tel: +254 (732) 187001; Tel: +254 (20) 2287000; SMS: 22522


our website is customized to provide authentic credible reliable and timely information to help our readers with useful information to apply to day-to-day life. We provide our readers with authentic and original information which is practical and also clearly researched and proved. subscribe to our free newsletter using your email to receive timely updates

Leave a Reply

Your email address will not be published. Required fields are marked *

Back To Top