Data protected · DPA 2019 Instant M-Pesa payout All 47 counties Clear terms, no hidden charges
Step by step

How FairLend works

From application to cash in your M-Pesa — and back again. Here's exactly what happens.

Apply & verify

Register, choose an amount between KES 500 and KES 50,000, and upload your ID front, back and a clear selfie.

Get approved

We verify your details and confirm your terms — the interest, the fee and your due date — for you to accept.

Receive on M-Pesa

Your loan is sent straight to your M-Pesa number the same day, with the small processing fee deducted from the payout.

Repay by your due date

Pay back the amount shown on your agreement via M-Pesa. Repay on time and unlock higher limits next time.

The essentials

Good to know

Can I have more than one loan?Yes — apply anytime
Minimum / maximumKES 500 – KES 50,000
Loan term30 days
How are payments made?M-Pesa STK push
Where is it available?All 47 counties
Are my documents safe?Encrypted & private