M-Kopa has grown to become one of the most trusted digital lenders in Kenya, offering not just phones and solar products on loan but also instant cash loans to eligible customers. The company is duly registered and approved by the Central Bank of Kenya (CBK), making it a legitimate and reliable financial partner for thousands of Kenyans.
In a move to reward faithful and consistent customers, M-Kopa now provides cash loans via M-Pesa, helping borrowers access extra funds for emergencies, business expansion, or personal needs.
🏦 What Is M-Kopa Cash Loan?
The M-Kopa Cash Loan is a financial product offered exclusively to existing M-Kopa customers who have demonstrated a good repayment history. This initiative aims to empower customers with flexible financial solutions beyond device financing.
Unlike traditional loans, M-Kopa Cash Loans are quick, paperless, and accessible directly from your M-Kopa account—no collateral or CRB checks required.
💰 M-Kopa Cash Loan Limits in Kenya
M-Kopa loan limits vary depending on each customer’s credit profile, repayment behavior, and usage history on the M-Kopa platform.
Here’s a breakdown of M-Kopa cash loan limits:
- Minimum loan amount: KES 500
- Maximum loan amount: KES 19,000
Your limit grows over time as you consistently make repayments on your existing M-Kopa loans (e.g., phone or solar loans).
✅ Tip: Paying your M-Kopa device loan on time increases your cash loan limit and eligibility for future offers.
📱 How to Apply for M-Kopa Cash Loan
Applying for an M-Kopa Cash Loan is simple and can be done in minutes. Follow these steps:
- Ensure you’re an active M-Kopa customer (with a good repayment history).
- Dial *685# on your Safaricom line registered with M-Kopa.
- Select the option for “M-Kopa Cash Loan.”
- View your available loan limit.
- Enter the amount you wish to borrow.
- Confirm your loan details.
- The approved amount will be sent instantly to your M-Pesa account.
💳 How to Repay Your M-Kopa Loan
M-Kopa loans are repaid conveniently through M-Pesa Paybill.
Follow these steps to repay your loan:
- Go to M-Pesa Menu → Lipa na M-Pesa → Paybill
- Business Number:
333222 - Account Number: Your M-Kopa account or registered phone number
- Enter the amount you wish to pay
- Confirm and complete the transaction
Always repay your loan on time to maintain a positive credit history and qualify for higher loan limits.
📞 M-Kopa Customer Care Support
For any inquiries, assistance, or complaints, you can reach M-Kopa through the following official contact channels:
- Phone: +254 707 333 222
- WhatsApp: +254 799 136 761
- Website: www.m-kopa.com
❓ Frequently Asked Questions (FAQ)
1. Who qualifies for M-Kopa Cash Loans?
Only existing M-Kopa customers with a good repayment record on previous products (such as phones or solar kits) qualify for cash loans.
2. How much can I borrow from M-Kopa Cash?
Loan limits range from KES 500 to KES 19,000, depending on your customer profile.
3. How long does it take to receive the cash?
Once approved, the loan is disbursed instantly via M-Pesa.
4. Can I increase my loan limit?
Yes. Repaying your current M-Kopa loans on time automatically boosts your loan limit over time.
5. What happens if I fail to repay my M-Kopa loan on time?
Late repayment may reduce your loan limit or temporarily suspend your access to new loans until you clear outstanding balances.
6. Are M-Kopa Cash Loans available to new customers?
No. Only verified and active M-Kopa customers who have demonstrated repayment consistency qualify.
🏁 Final Thoughts
M-Kopa continues to transform financial access in Kenya by combining technology and micro-lending to serve low- and middle-income earners. With flexible cash loans from KES 500 to 19,000, M-Kopa empowers its users to handle emergencies and manage daily financial needs with ease.
If you’re already an M-Kopa customer, maintaining good repayment discipline could unlock higher cash loan limits and more financial freedom in the future.
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