Check Eligibility

Instant Loan App in Kenya.
Quick Loans Direct to M-PESA

KopaCash is a fast, flexible mobile loan app in Kenya — get emergency loans and urgent cash sent instantly to your M-PESA, with no collateral and no CRB check hassle.

Fast Approval

Get a decision in minutes.

M-PESA Disbursement

Money sent directly to your phone.

Flexible Repayment

Choose a plan that works for you.

Customer with KopaCash loan approved

Find Your Loan Eligibility

You can qualify for Ksh 5,000 – 50,000 to M-PESA, based on a real affordability check.

No CRB check. No guarantors. Disbursed to M-PESA. Any processing fee is deducted from your loan — never paid upfront.

By submitting you confirm that you accept the Terms and Conditions and Privacy Policy.

KopaCash is a licensed Digital Credit Provider — CBK/DCP/XXXXX. Verify our license on the CBK register.

How It Works

Get your instant mobile loan in three simple steps.

1. Check Eligibility

Fill in your name, M-PESA number and ID to see what you qualify for.

2. Get a Decision

We run a real affordability check and give you a decision in minutes.

3. Receive on M-PESA

Your approved amount, minus any fee, is sent straight to your phone.

Why Choose KopaCash?

We make borrowing simple, transparent and fair.

Real Eligibility Check

We assess affordability before approving — no false guarantees.

Direct to M-PESA

Receive your money instantly, fees already deducted.

No Upfront Fees

Any fee comes out of your loan — never paid before disbursement.

Secure & Trusted

Your data is protected and never sold to third parties.

Loan Options for Every Need

Choose the loan that fits your needs. The fee shown is deducted from your payout — not charged upfront.

Kopa Cash 8K

Ksh. 8,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 99 (deducted, not upfront)
You receive on M-PESAKsh 7,901

Kopa Cash 18K

Ksh. 18,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 199 (deducted, not upfront)
You receive on M-PESAKsh 17,801

Kopa Cash 45K

Ksh. 45,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 299 (deducted, not upfront)
You receive on M-PESAKsh 44,701

Genuine, CBK-Licensed Loans in Kenya

Answers to common questions about our mobile loan app.

Is KopaCash a legit loan app in Kenya?

Yes. KopaCash is a genuine, CBK-licensed Digital Credit Provider. Always verify any loan app against the official CBK register before borrowing, and avoid any app that asks you to pay a fee before your loan is disbursed.

Can I get an instant M-PESA loan without a payslip?

Our mobile loans without security are assessed using your M-PESA transaction history and other affordability signals — not a payslip — making it accessible for informal earners, students, and small business owners across Kenya.

Do you offer loans for negative CRB listed borrowers?

We don't run a full CRB check as part of eligibility, so a negative listing alone won't automatically disqualify you — final approval still depends on a real affordability assessment.

Are KopaCash's interest rates competitive?

Yes — as one of the low interest loan apps in Kenya, we display our rate and every charge upfront so you know exactly what you'll receive and repay, with flexible repayment plans to match your budget.