USSD ( Unstructured Supplementary Service Data) is a means of accessing services offline.
In Kenya today, it is possible to access loans using USSD codes.
In this article, we will provide up to 49 USSD codes you can use to get loans in Kenya.
49 USSD Codes For Quick and Instant 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.
| Platform | USSD Code for loans |
| Pi Capital Ltd | *879*99# |
| Premier Credit | *241# |
| Stanbic Bank | *208# |
| Chase Bank of Kenya | *275# |
| Commercial Bank of Africa | *654# |
| Consolidated Bank | *262# |
| Diamond Trust Bank | *385# |
| Equatorial Commercial Bank | *286# |
| Equity Bank of Kenya | *247# |
| Extend Money Services | *676# |
| Family Bank of Kenya | *325# |
| Faulu Microfinance Bank | *339# |
| Safaricom/NCBA/KCB Bank | *234# |
| Gulf Africa Bank | *399# |
| Gusii Mwalimu SACCO | *879# |
| Century MFB | *871# |
| HF Group (Housing Finance Company) | *618# |
| I&M Bank Limited | *458# |
| Jamii Bora Bank | *344# |
| Safaricom/KCB | *844# |
| First Community Bank | *342# |
| Mobile Opulence Ltd | *610# |
| K-Rep Bank | *527# |
| Kenya Women Finance Trust | *378# |
| Musomi Microfinance Institution | *279# |
| Maisha Bank | *281# |
| National Bank | *625# |
| NCBA Bank | *654# |
| Ndege Chai Sacco | *882# |
| NIC Bank Limited | *488# |
| OkoaMia Ventures | *628# |
| Okoa Sasa | *628# |
| Okoa Thao | *660# |
| Okolea Int. | *842# |
| Kopa doh | *610# |
| Sotiwa | *243*90# |
| Paddy Micro Investments | *269# |
| Telkom | *133# |
| Pezesha Africa Ltd | Text ‘Pezesha’ to 22235 |
| Post Bank | *498# |
| Rafiki Microfinance Bank | *366# |
| Standard Chartered Bank | *722# |
| SMEP Microfinance Bank | *741# |
| Sotiwa Ltd | *243*90# |
| Stima SACCO | *489# |
| Barclays | *848# |
| Transaction Bank of Kenya | *862# |
| MyCredit | *322# |
| Zenka Finance | *841# |
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:
- Identify your mobile loan lender.
- Take note of the mobile loan lender’s USSD code.
- Meet all the requirements.
- Dial the USSD code on your mobile phone.
- Provide the details requested by the prompt.
- Get your loan.
Benefits of Using USSD Codes to Access Loans
Using USSD codes to access loans comes with its perks.
- It is easy to use.
- Fast response time.
- It is available round the clock.
- No mobile data charges.
- You can use it to access your account balance.
- It can also track your financial transactions.
Requirements for Getting Loans Using USSD Codes in Kenya
Although USSD codes are interactive and short, they still have some requirements, which include:
- You must have an account with the bank; the bank must have your personal information like name, account details, and other things
- You must have your SIM card registered with the bank
- Dial your code using the registered SIM card.
Conclusion
You don’t have to go through the stress of downloading and installing an 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.