USSD Codes for Instant mobile loans in Kenya

USSD Codes for Instant mobile loans in Kenya

With the emerging mobile lending market in Kenya, many mobile loan service providers find innovative ways to improve their service delivery and keep above the competition. We have made a list of USSD codes for loans in Kenya. Thus, many mobile lenders have made it easy for their customers to access loans on the spot by simply dialing a USSD code on their smartphones. Who thought that a time would come when we will be able to bank and get loans with USSD codes?

What is USSD

USSD (Unstructured Supplementary Service Data) also known as ‘Quick Codes’ has always been known as a means of accessing mobile network providers. These USSD codes come in handy when you run out of mobile data or have poor internet connectivity. 

Using USSD codes to access loans comes with its perks.

  1. It is easy to use.
  2. Fast response time.
  3. It is available round the clock. 
  4. No mobile data charges.  
  5. You can use it to access your account balance.
  6. It can also track your financial transactions.

What is USSD Banking

USSD banking forms that part of banking operations that provides customers with a quick offline solution to assessing mobile financial transactions. There is no internet connection needed and once you have the appropriate code for each bank, you can bank from the comfort of your home. In addition, USSD can assess loans and other transactions through an interactive clear displayed menu on your mobile screen.

How to apply for loans using USSD in Kenya

The systematic way of applying for a loan through USSD is simple and short. All you need is:

  1. Identify your mobile loan lender
  2. Take note of the mobile loan lender’s USSD code
  3. Meet all the requirements needed of you
  4. Dial the USSD code on your mobile phone
  5. Provide the details requested by the prompt 
  6. Get your loan

49 USSD codes for quick and instant loans in Kenya

USSD Codes for Instant mobile loans in Kenya

We took the time to research and compile an extensive list of mobile loan lenders in Kenya. Scroll down to view and select your preferred quick loan USSD code and service provider.


USSD Code for loans

Pi Capital Ltd


Premier Credit


Stanbic Bank


Chase Bank of Kenya


Commercial Bank of Africa


Consolidated Bank


Diamond Trust Bank


Equatorial Commercial Bank


Equity Bank of Kenya


Extend Money Services


Family Bank of Kenya


Faulu Microfinance Bank


Safaricom/NCBA/KCB Bank


Gulf Africa Bank


Gusii Mwalimu SACCO


Century MFB


HF Group (Housaing Finance Company)


I&M Bank Limited


Jamii Bora Bank




First Community Bank


Mobile Opulence Ltd


K-Rep Bank


Kenya Women Finance Trust


Musomi Microfinance Institution


Maisha Bank


National Bank




Ndege Chai Sacco


NIC Bank Limited


OkoaMia Ventures


Okoa Sasa


Okoa Thao


Okolea Int.


Kopa doh




Paddy Micro Investments




Pezesha Africa Ltd

Text ‘Pezesha’ to 22235

Post Bank


Rafiki Microfinance Bank


Standard Chartered Bank 


SMEP Microfinance Bank


Sotiwa Ltd






Transaction Bank of Kenya




Zenka Finance


Requirements for getting loans using USSD

As interactive and short USSD codes could be, it has its requirements, which are:

  1. You must have an account with the bank; where the bank must have had your personal information like name, account details, and other things
  2. Have your sim card registered with the bank
  3. Dial your code using the registered sim card.


You won’t have to go through the stress of downloading and installing the app before obtaining your loan. Sometimes, the loan apps may not be compatible with your smartphone or tablet. With a single USSD code dial, you can get a loan for half the time you would have spent on the android app.

Geoffrey Nevine — IT Services and IT Consulting

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