Are you searching for a quick mobile loan app in Kenya that can give you instant cash to your M-Pesa account? The Direct Cash Loan App Kenya is one of the newest digital lenders in Kenya offering fast loans from KSh 1,500 up to KSh 50,000 directly to your M-Pesa wallet.
In this guide, we’ll cover everything you need to know about Direct Cash Loan App Kenya, including how it works, interest rates, repayment options, customer care contacts, and a comparison with other popular loan apps like Tala, Branch, Zenka, LendPlus, Zash, and FlashPesa.
About Direct Cash Loan App Kenya
Direct Cash Loan App is a new online lending platform in Kenya that provides instant loans to eligible users through their mobile phones. The app is designed for individuals who need quick access to emergency funds without visiting a bank.
Key Loan Details:
| Feature | Details |
|---|---|
| Loan Amounts | KSh 1,500 – KSh 50,000 |
| Interest Rate | As low as 1% per day (approximately 36% APR per year) |
| Repayment Period | 30 – 180 days |
| Application Method | Download from Google Playstore, register, and apply |
| Repayment Options | Repay via the app or M-Pesa Paybill 4047965 |
| Customer Support | Phone: +254 792 151 151Email: Support001@directcashcorp.com |
How to Apply for Direct Cash Loan in Kenya
Getting started with Direct Cash App is quick and simple. Follow the steps below:
- Download the App – Go to Google Playstore and search for “Direct Cash Loan App Kenya.”
- Install and Register – Open the app, create an account using your phone number and ID.
- Complete KYC Verification – Provide basic details and allow necessary permissions.
- Apply for a Loan – Choose your preferred amount and repayment period.
- Receive Money Instantly – Once approved, funds are sent directly to your M-Pesa account.
- Repay Loan on Time – Repay via the app or through M-Pesa Paybill 4047965 before the due date.
💡 Tip: Always repay on time to increase your loan limit and maintain a good credit score.
Why Choose Direct Cash Loan App
- ✅ Fast disbursement — Get cash to your M-Pesa account within minutes.
- ✅ No collateral required — Borrow based on your mobile data and repayment history.
- ✅ Flexible repayment — Choose between 30 to 180 days repayment period.
- ✅ Convenient repayment — Pay directly via the app or M-Pesa Paybill.
- ✅ Transparent charges — Interest rates and fees displayed upfront before approval.
Example: Loan Interest Calculation
If you borrow KSh 10,000 at 1% per day for 30 days:
- Daily interest = 1% × 10,000 = KSh 100
- Total interest = 100 × 30 = KSh 3,000
- Total repayment = KSh 13,000
📌 Always read loan terms carefully before accepting. Daily rates can accumulate quickly if loans are rolled over or repaid late.
Comparison: Top Loan Apps in Kenya (2025)
Below is a quick summary comparing Direct Cash with other popular mobile loan apps in Kenya.
| Loan App | Loan Range | Repayment Period | Notable Features |
|---|---|---|---|
| Direct Cash | KSh 1,500 – 50,000 | 30 – 180 days | 1% daily interest, Paybill 4047965 |
| Tala | Up to KSh 50,000 | 21 – 60 days | Trusted lender, low default rate |
| Branch | KSh 500 – 300,000 | 62 – 365 days | Offers savings and investment features |
| Zenka | Up to KSh 200,000 | 61 – 180 days | Instant approval, bonus for referrals |
| LendPlus | KSh 1,000 – 100,000 | Flexible | Transparent fees, easy application |
| Zash | KSh 500 – 200,000 | 91 – 365 days | Longer repayment period, CBK-compliant |
| FlashPesa | Up to KSh 80,000 | 61 – 180 days | Competitive rates, user-friendly interface |
Repayment Options for Direct Cash Loan
You can repay your loan easily using M-Pesa:
- Go to M-Pesa Menu → Lipa na M-Pesa → Paybill
- Enter Paybill Number: 4047965
- Enter your Registered Phone Number as the account number
- Enter the Loan Amount to repay
- Confirm details and send
You’ll receive an SMS confirmation once payment is successful. Always keep your M-Pesa message as proof.
Customer Support – Direct Cash Loan Kenya
For help or inquiries, reach out to Direct Cash through:
- 📞 Phone: +254 792 151 151
- 📧 Email: Support001@directcashcorp.com
Ensure you confirm official contacts from within the app before sending sensitive information or payments.
Frequently Asked Questions (FAQs)
1. Is Direct Cash Loan App Legit in Kenya?
The app claims to offer instant loans to M-Pesa users. Always verify the lender’s legitimacy by checking the Central Bank of Kenya’s list of licensed digital lenders before borrowing.
2. How long does it take to receive money?
Once approved, most users receive funds within minutes. First-time borrowers may experience longer processing due to KYC verification.
3. What happens if I don’t repay on time?
Late repayments may attract penalties or extra fees. Your account may also be reported to CRB (Credit Reference Bureau).
4. How can I increase my loan limit?
Pay all loans on time and avoid late payments. Consistent good repayment history helps you qualify for higher loan limits.
5. Can I repay using M-Pesa?
Yes. Use Paybill 4047965 and your phone number as the account number.
Responsible Borrowing Tips
- Borrow only what you can comfortably repay.
- Always read and understand loan terms before accepting.
- Repay early or on time to build creditworthiness.
- Avoid taking multiple loans from different apps at the same time.
- Keep a record of all your transactions and SMS confirmations.
Final Thoughts
The Direct Cash Loan App Kenya provides an easy and fast solution for those seeking short-term loans directly via M-Pesa. With competitive loan limits and flexible repayment terms, it’s a convenient choice for Kenyans facing emergencies.
However, remember to borrow responsibly, confirm the app’s CBK registration, and always repay on time to avoid unnecess