Creditmoja Loan App Kenya offers quick, secure mobile loans from KES 1,000 to KES 30,000. Enjoy low daily interest from 1%, flexible 3-month repayment, and easy repayment through M-Pesa Paybill 540310. Learn how to apply, repay, and contact Creditmoja customer care.
💡 What Is Creditmoja Loan App Kenya?
Creditmoja is one of the fast-growing mobile loan apps in Kenya providing quick and reliable cash loans directly to your M-Pesa wallet. The app offers a convenient way for Kenyans to access instant credit without collateral or lengthy paperwork.
With just your phone number and national ID, you can apply, get approved, and receive money straight to your M-Pesa account — all within minutes.
⚙️ Key Features of Creditmoja
| Feature | Details |
|---|---|
| Loan Amount | From KES 1,000 to KES 30,000 |
| Interest Rate | As low as 1% per day |
| Repayment Period | Up to 3 months |
| Late Fee | 2% per day on overdue balances |
| Repayment Options | Via Creditmoja app or M-Pesa Paybill 540310 |
| Customer Support | Email: help@creditmoja.com |
These flexible options make Creditmoja suitable for emergencies, bills, business needs, or personal use when you need fast financial help.
📲 How to Apply for a Creditmoja Loan
Applying for a loan on Creditmoja is simple and entirely digital. Follow these steps:
- Download the Creditmoja App from Google Play Store.
- Register with your phone number and valid ID details.
- Choose your loan amount and repayment period.
- Submit your loan application for instant processing.
- Once approved, funds are sent directly to your M-Pesa account.
The entire process takes only a few minutes, and you’ll receive your funds once your details are verified.
💰 How to Repay Your Creditmoja Loan
You can repay your loan through the app or manually via M-Pesa using these steps:
- Go to the M-Pesa menu.
- Select Lipa na M-Pesa → Paybill.
- Enter 540310 as the Paybill number.
- Use your M-Pesa phone number as the account number.
- Enter the amount to repay and confirm.
Always repay before your due date to avoid the 2% daily late fee.
📈 Example Loan Calculation
If you borrow KES 10,000 for 30 days at 1% per day,
you’ll pay:
- Interest = 10,000 × 1% × 30 days = KES 3,000
- Total repayment = KES 13,000
If payment is delayed, a 2% daily late charge applies. Always repay on time to maintain a good credit limit and avoid penalties.
✅ Why Choose Creditmoja?
Advantages
- 🕒 Instant loan approval and disbursement via M-Pesa.
- 💳 Flexible repayment of up to 3 months.
- 📱 Simple application process via mobile app.
- 🔒 Secure and private loan experience.
Disadvantages
- ⚠️ High daily interest (1% per day equals 30% per month).
- 🚫 2% late payment penalty can increase total cost.
- 📄 Always verify app legitimacy through CBK’s list of approved lenders.
🔍 Is Creditmoja Legit?
Creditmoja claims to be a registered and legit digital lender operating in Kenya. It provides public contact details, an official website, and an M-Pesa Paybill (540310).
However, as of the most recent Central Bank of Kenya (CBK) licensed digital lenders list (2024), Creditmoja may operate under a different registered company name. Before borrowing, always confirm the lender’s name in the latest CBK directory to ensure safety and compliance.
🛡️ Smart Borrowing Tips
- Check total loan cost before confirming the loan.
- Repay early to avoid high daily penalties.
- Use only official repayment channels (Paybill 540310).
- Keep transaction receipts as proof of payment.
- Avoid sharing login or M-Pesa PIN with third parties.
📞 Creditmoja Customer Care Contacts
- Email: help@creditmoja.com
- M-Pesa Paybill: 540310
- Official App: Available on Google Play Store
For any repayment or account issues, always use the in-app help option or the official email above.
🧾 Conclusion
Creditmoja Loan App Kenya is a fast, easy, and flexible option for Kenyans seeking short-term financial assistance. With loans starting from KES 1,000 and repayment via M-Pesa Paybill 540310, the app provides a seamless borrowing experience.
Just remember to read the loan terms carefully, verify its registration on the CBK list of digital lenders, and make timely repayments to maintain a good credit score.