Introduction
TruePesa Loan App Kenya is a modern digital lending platform that offers quick and convenient mobile loans to Kenyans directly through M-Pesa. Designed for speed and flexibility, TruePesa provides instant cash loans ranging from Ksh 1,000 to Ksh 100,000 at low interest rates and with repayment periods of 30 to 90 days. The app makes borrowing simple—just download, register, and apply to get funds sent instantly to your M-Pesa account.
Whether you’re looking to pay bills, start a small business, or handle an emergency, TruePesa allows you to apply and receive funds directly to your M-Pesa without paperwork or bank visits.
Key Features of TruePesa Loan App Kenya
| Feature | Details |
|---|---|
| Loan Amount | From KES 1,000 to KES 100,000 |
| Interest Rate | As low as 0.05% per day |
| Repayment Period | Flexible between 30 and 90 days |
| Loan Disbursement | Directly to M-Pesa |
| Repayment Method | M-Pesa Paybill: 4092091 |
| Customer Support | +254 719 276 399 |
| Application Method | Visit the TruePesa Loans website, register and apply online |
How to Apply for a TruePesa Loan (Step-by-Step)
- Visit the TruePesa Website
Go to the official TruePesa Loans website and click on Apply Now. - Create an Account
Register with your full name, National ID number, and active M-Pesa phone number. - Submit Loan Application
Choose the loan amount (KES 1,000 – 100,000) and repayment period (30–90 days). Review your loan offer before submitting. - Verification & Approval
TruePesa automatically verifies your details using mobile and credit data. If approved, you’ll receive confirmation via SMS. - Receive Money Instantly via M-Pesa
Once approved, the funds are sent directly to your M-Pesa account within minutes.
How to Repay Your TruePesa Loan via M-Pesa
Repaying your TruePesa loan is simple and can be done through M-Pesa in a few steps:
- Go to M-Pesa Menu → Lipa na M-Pesa → Paybill
- Enter Business Number:
4092091 - Enter Account Number: Your loan account number (provided by TruePesa)
- Enter Amount: (Loan amount or installment)
- Confirm and enter your M-Pesa PIN
- You’ll receive an M-Pesa confirmation SMS — keep this as proof of payment.
Example Loan Calculation
If you borrow KES 10,000 for 60 days at 0.05% interest per day, the total repayment is:
- Interest: 10,000 × 0.0005 × 60 = KES 300
- Total to repay: 10,000 + 300 = KES 10,300
This example assumes simple interest. Always check your exact loan offer, as rates and processing fees may vary.
Eligibility Requirements
To qualify for a TruePesa loan, you need:
- A Kenyan National ID
- An active M-Pesa number registered in your name
- Proof of regular income or consistent M-Pesa transactions
- Must be 18 years or older
TruePesa Loan Customer Support
If you need help or clarification about your loan, you can reach the TruePesa support team directly:
📞 Customer Care: +254 719 276 399
💰 M-Pesa Paybill: 4092091
🌐 Website: Visit the official TruePesa Loans website to apply.
Frequently Asked Questions (FAQ)
1. Is TruePesa a genuine loan app in Kenya?
Yes, TruePesa is a legitimate digital lender offering quick and transparent M-Pesa loans. Always verify the website and paybill number before transacting.
2. How long does loan approval take?
Once you complete your application, loan approval and disbursement usually take a few minutes if you qualify.
3. Can I repay my loan early?
Yes. You can repay early using M-Pesa Paybill 4092091. Early repayment may reduce your total interest.
4. What happens if I fail to repay on time?
Late repayment attracts penalties or higher interest. It may also affect your future borrowing limit or credit score.
5. Are there hidden fees?
TruePesa provides clear loan terms before approval. Always review the final repayment schedule for any extra fees.
Comparison Table: Top Loan Apps in Kenya 2025
| Loan App | Loan Amount | Interest Rate (Approx.) | Repayment Term | Disbursement Method |
|---|---|---|---|---|
| TruePesa | KES 1,000 – 100,000 | From 0.05% per day | 30–90 days | M-Pesa (Paybill 4092091) |
| Tala | KES 1,000 – 50,000 | ~0.3% per day | 30–120 days | M-Pesa |
| Branch | KES 1,000 – 300,000 | ~2% per month | 30–90 days | M-Pesa |
| Zenka | KES 1,000 – 50,000 | Variable (check in app) | 30–60 days | M-Pesa |
| AdvancePoa | KES 1,000 – 50,000 | Variable rates | 30–90 days | M-Pesa |
| Kopasmart | KES 1,000 – 50,000 | Variable rates | 30–90 days | M-Pesa |
Note: The loan limits and rates above are based on publicly available data and user information. Always confirm current rates, fees, and terms within each app before applying.
Final Thoughts
The TruePesa Loan App Kenya is emerging as one of the best new digital lending platforms offering affordable, flexible, and instant M-Pesa loans. With low interest rates starting at 0.05% per day, clear repayment options, and excellent customer support, TruePesa provides a practical financial solution for everyday Kenyans.
If you’re looking for a reliable short-term credit partner, TruePesa is worth considering — just remember to borrow responsibly and repay on time to maintain a good credit record.
✅ Quick Summary
- Loan range: KES 1,000–100,000
- Interest: From 0.05% per day
- Repayment: 30–90 days
- Repay via M-Pesa Paybill 4092091
- Support: +254 719 276 399