50+ USSD Codes For Quick Loans in Kenya 2025

In Kenya, accessing quick and convenient loans has been made easier through the use of Unstructured Supplementary Service Data (USSD) codes. These codes allow individuals to apply for loans directly from their mobile phones without the need for internet access.

 Gone are the days where people had to queue in a bank or sacco in order to apply for loans. A lot of paperwork and signings are things of the past. Thanks to the introduction of mobile phone Money wallet accounts and USSD Codes. In Kenya the leading mobile money wallet account is Mpesa. The use of Mpesa has made it easy for many loan transactions to be performed via USSD Codes. 

Read Also: New Loan Apps 2025

What are Loan USSD Codes 

USSD  ( Unstuctured Supplementary Service Data) codes are quick or feature codes that use Global System for mobile Communications. USSD Codes send pop up messages. USSD Codes starts with asteric* and ends with a #. For example*254# 

How To Get Loan USSD Codes In Kenya 

USSD Codes in Kenya are used to run businesses for the day to day transactions. 

Here is a brief guide on how to get USSD code for your business from Safaricom. 

First you have to know that there are two types of USSD Codes: 

1) Dedicated USSD code- One business only 

2) Shared USSD code – long and can be used by several businesses 

Requirements To Apply 

• Payment confirmation 
• USSD application form ( Duly filled)
• PIN/ VAT Certificate 
• Signed page of the CSP Agreement 
• Certificate of Incorporation 

Visit any Safaricom outlet with the above requirements and apply 

USSD Codes request should be sent every Monday by 1200hrs for the codes to be activated by Friday 1700hrs. 

Pros and Cons of USSD Codes 

Like anything else USSD Codes have both advantages and disadvantages as follows: 

Pros

Very fast

Can be performed any time anywhere 

Simple to use even with feature phone 

Easy to remember 

Cons

Use pop up messages which can not be stored

Have a time out session activity 

Most USSD Codes use airtime 

Many banks and financial institutions have embraced the use of USSD Codes for most of their transactions including loan applications. 

For the purpose of this post, am going to list for you a list of 50 best USSD loan codes in Kenya that can help you in times of cash emergencies.

The top USSD Codes in Kenya are as follows: 

Top Quick USSD Loan Codes in Kenya 2025

• Hustler Fund*254#
• Tala loans*846#
• 4G Capital*612#
• Zenka loans*841#
• HEF loans *642# 
• Timiza*848#
• Okolea*842# 
• Springpesa *243#
• M-Shwari*334#
• Fuliza*234#
• Vooma*844#
• Zazipay*322#
• Platinum Credit*619#
• Nawiri*830#
• Pesapata*269#
• KopaCash*222#
• Okoa Sasa*884#
• Okoa Mia*628#
• Izwe loans*528#
• Premier credit*241#
• Shika *281#
• Stawika Loans*872# 
• Musoni Loans *646# 

Banks 

• Equity bank *247#
• KCB bank *522#
• Co-op bank *667#
• Family bank *325#
• DTB bank *382#
• National bank *625# 
• Post bank *498# 

Saccos 

• Stima Sacco *489#
• Police Sacco *654# 
• Mwalimu National Sacco *633# 

Microfinances 

• Kwft *378#
• Faulu *339#
• Musoni *279#
• Rafiki *366# 
• Platinum Credit *619#
• Premier Credit *241#

How To use The USSD Codes 

To use a USSD code: dial the USSD code and make a call. 

ie, *254# then press call button. Follow up with the prompts and finish transaction. 

Conclusion 

The use of USSD Codes to apply loans is the easiest and fastest way to apply for loans in Kenya. You can get your loans in your bank account or mpesa account in minutes.