OPesa Loan App Kenya is a fast and reliable mobile lending service by Tenspot Company Limited. The app helps Kenyans access instant cash directly on their phones — anytime, anywhere. With flexible loan amounts, transparent interest rates, and easy repayment options via M-PESA Paybill 606280, OPesa is one of the most convenient digital lending solutions in Kenya today.
Key Features of OPesa Loan App Kenya
- Provider: Tenspot Company Limited
- Loan Amounts: KES 1,000 – KES 50,000
- Repayment Period: Minimum 14 days
- Interest Rate: 16% – 29% APR per year
- Late Fee: 2.4% per day on overdue amounts
- Repayment Methods: In-app or via M-PESA Paybill 606280 (Account number: your phone number)
- Customer Support: help@opesa.com | Call +254 758 706 946
Why Choose OPesa?
OPesa stands out among Kenyan mobile loan apps because of its speed, simplicity, and accessibility. With no paperwork or long queues, you can receive your funds within minutes of approval. Whether you need emergency cash, school fees, or working capital, OPesa provides instant solutions right on your smartphone.
Benefits:
- ✔ Quick approval and instant M-PESA disbursement
- ✔ Secure and user-friendly interface
- ✔ Transparent interest rates and repayment terms
- ✔ Convenient repayment options
How to Apply for an OPesa Loan
- Visit Google Play Store and download the OPesa Loan App.
- Open the app and register with your mobile number and National ID.
- Fill in your loan application details.
- Choose your desired loan amount (KES 1,000 – 50,000).
- Review the loan terms and submit your application.
- Once approved, the loan will be sent directly to your M-PESA account.
How to Repay Your OPesa Loan
Repaying your OPesa loan is simple and convenient. You can repay directly in the app or through M-PESA using the steps below:
- Go to M-PESA on your phone.
- Select Lipa na M-PESA → Paybill.
- Enter Business Number: 606280.
- For Account Number, enter your registered phone number.
- Enter the repayment amount and confirm.
Always repay on time to avoid the 2.4% daily late fee and maintain a good credit history with Tenspot.
OPesa Loan Fees and Interest
- Interest Rate (APR): 16% – 29% per year
- Late Fee: 2.4% per day on overdue balances
- Processing Fee: Displayed in-app before loan approval
Note: Always review your loan agreement in the app to understand the total repayment cost before confirming the loan.
Comparison Table: OPesa vs Other Top Loan Apps in Kenya
| Loan App | Loan Amount (KES) | Interest Rate / Fees | Repayment Term | Highlights |
|---|---|---|---|---|
| OPesa (Tenspot) | 1,000 – 50,000 | 16% – 29% APR Late fee 2.4%/day |
From 14 days | Repay via app or M-PESA Paybill 606280 |
| Tala | Up to 50,000 | ~0.3% daily | 21 – 60 days | Quick disbursement, flexible terms |
| Branch | 500 – 300,000 | 2% – 18% monthly | 62 – 365 days | Longer loan limits for repeat borrowers |
| M-Shwari | 100 – 50,000 | ~9% facility fee | 30 days | Bank-linked, integrated with M-PESA |
| OKash | Up to 50,000 | Varies (high APR possible) | Varies | Fast processing but check rates |
Frequently Asked Questions (FAQ)
1. Is OPesa Loan App legit?
Yes. OPesa is managed by Tenspot Company Limited and operates in Kenya. It’s available on the Google Play Store and widely used by Kenyans seeking instant mobile loans.
2. How do I repay my OPesa loan?
You can repay directly within the app or through M-PESA Paybill 606280. Use your registered phone number as the account number.
3. What happens if I miss a repayment?
Late repayments attract a 2.4% daily fee. Delays may also affect your credit score and future loan limits. Always repay on time to avoid penalties.
4. How long does OPesa take to disburse loans?
Once approved, funds are usually credited to your M-PESA wallet within minutes.
5. Can I increase my loan limit?
Yes. Consistent on-time repayments can help increase your borrowing limit over time.
Responsible Borrowing Tips
- Borrow only what you can comfortably repay.
- Always check the APR before confirming a loan.
- Avoid extending loans unnecessarily to reduce costs.
- Contact support early if you anticipate repayment challenges.
Customer Support
📧 Email: help@opesa.com
📞 Phone: +254 758 706 946
Final Thoughts
OPesa Loan App Kenya continues to serve thousands of users looking for short-term financial solutions. With fast processing, flexible repayment, and direct M-PESA integration, it remains one of the most convenient mobile loan options in Kenya. However, ensure you understand all charges, repay on time, and borrow responsibly to maintain a healthy credit record.
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