Borrow KES 500 to KES 50,000 with interest you can see up front and a due date you agree to. No surprises.
Move the slider to see what you'd repay.
We ask for sensitive documents, so we treat them like it.
Your ID and selfie are stored securely and served only to you and our verification team — never publicly.
We collect only what we need to verify you, with your consent, under Kenya's Data Protection Act.
Every disbursement and repayment runs through M-Pesa — money moves to and from your own number.
From Nairobi to Mandera — if M-Pesa reaches you, FairLend does too.
Apply, get paid, and repay — all from your phone.
Pick your amount, upload your ID front, back and a selfie. Takes two minutes.
We review your application and confirm your terms — the interest and due date, in writing.
Your loan lands in your M-Pesa the same day — the full amount you asked for.
Pay back in one tap via M-Pesa. Repay on time and unlock higher limits.
Same rate for everyone. What you see here is what you sign.
| You borrow | Interest | Fee | You repay | Term |
|---|---|---|---|---|
| KES 1,000 | 100 | 100 | 1,100 | 30 days |
| KES 5,000 | 500 | 100 | 5,500 | 30 days |
| KES 10,000 | 1,000 | 100 | 11,000 | 30 days |
| KES 25,000 | 2,500 | 100 | 27,500 | 30 days |
| KES 50,000 | 5,000 | 100 | 55,000 | 30 days |
Most approved loans are paid to M-Pesa the same day. Verification is usually done within minutes of you submitting your documents.
A one-time processing fee, deducted from your payout — never paid up front. The interest is shown on your agreement, and there are no other charges unless you repay late.
A late fee may apply, and it's shown clearly in your agreement. We'll remind you by SMS before your due date so you're never caught out.
Yes. Your documents are stored securely, are never publicly accessible, and are used only to verify your identity, in line with the Data Protection Act 2019.
Join thousands of Kenyans getting fair, transparent loans straight to their phone.
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