Fast, Simple & Reliable Mobile Loans for Kenyans
The demand for digital lending in Kenya continues to grow as more people seek convenient and fast alternatives to traditional banking. Among the emerging platforms is the Sulu Cash Loan App, a mobile lending application developed by Jirani Labs Ltd. The app focuses on providing instant unsecured loans to M-Pesa users across Kenya, helping individuals meet emergency needs, business requirements, and personal expenses.
If you’re searching for a reliable digital lender offering transparent terms, fair interest rates, and instant disbursement, Sulu Cash is worth exploring. Here is everything you need to know.
💰 Loan Limits & Interest Rates (Updated) 2026
Sulu Cash targets borrowers who need quick loans without collateral. Its loan structure is designed to support both first-time borrowers and returning users.
Sulu Cash Loan Details
| Feature | Details |
|---|---|
| Loan Amount | KES 1,000 – KES 50,000 |
| Repayment Duration | Minimum 91 days – Maximum 180 days |
| Annual Percentage Rate (APR) | 15% – 35% |
| Disbursement Method | Direct to your M-Pesa wallet |
| Late Fees | Determined in-app based on repayment behavior |
📌 Example Loan Calculation
If you borrow KES 5,000 for 91 days at an APR of 18%, you will pay:
- Interest: KES 225
- Total Repayment: KES 5,225
Sulu Cash emphasizes timely repayments to help customers improve their borrowing limit and maintain a positive credit profile.
🔄 How to Repay Your Sulu Cash Loan
Sulu Cash uses M-Pesa Paybill for loan repayments. While the Paybill number may update periodically, you can always find the correct, active Paybill number within the app.
Repayment Steps via M-Pesa
- Open M-Pesa on your phone.
- Select Lipa Na M-Pesa.
- Tap Paybill.
- Enter the Business Number (provided inside the Sulu Cash app).
- Enter your Account Number (your M-Pesa phone number).
- Enter the Amount to repay.
- Confirm with your M-Pesa PIN.
✔ Always verify repayment details in the app to avoid misdirected payments.
📞 Sulu Cash Customer Care Contacts
For help with loan applications, repayments, or general account issues, contact Sulu Cash support:
- Phone: +254 020 7905198
- Email: cs.help.sulucash@jiranilabs.com
- In-App Support: Available 24/7 via the help section
- Google Play Store: Accessible through the app listing
Sulu Cash is operated by Jirani Labs Ltd, a Kenyan-based digital solutions company.
📝 Eligibility Requirements for Sulu Cash Loans
To qualify for a Sulu Cash loan, you must:
- ✔ Be a Kenyan citizen
- ✔ Be 18 years or older
- ✔ Have a valid National ID
- ✔ Use an active M-Pesa number
- ✔ Have a consistent transaction history showing ability to repay
The platform is 100% digital—no guarantors, no paperwork, and no collateral.
⭐ Pros & Cons of Sulu Cash Loan App
Advantages
- Fast approval and instant M-Pesa disbursement
- Transparent APR and repayment terms
- Longer repayment periods compared to many loan apps
- Easy repayment via Paybill
- Helpful customer care contacts accessible anytime
Disadvantages
- Paybill number not publicly listed (must check inside app)
- Interest rates may be higher for first-time borrowers
- Not listed among CBK-regulated lenders (as of 2025)
❓ Frequently Asked Questions (FAQ)
1. Is Sulu Cash a genuine loan app in Kenya?
Yes. Sulu Cash is operated by Jirani Labs Ltd, a registered Kenyan company. However, it is not on the CBK list of regulated digital lenders as of 2025. Always borrow responsibly.
2. How long does it take to receive the loan?
Most approved loans are disbursed instantly to your M-Pesa wallet.
3. What happens if I fail to repay on time?
You may be charged late fees, and your credit score may be affected, potentially limiting future loans.
4. Does Sulu Cash ask for collateral?
No. The loans are 100% unsecured, based on mobile phone data and credit history.
5. Can I increase my loan limit?
Yes. Your limit increases with timely repayments, active M-Pesa usage, and responsible borrowing.
📊 Summary Table: Notable Genuine & Trusted Loan Apps in Kenya (2025)
These apps are widely recognized as legitimate and reliable digital lenders, some fully regulated by the Central Bank of Kenya (CBK).
| Loan App | Loan Limits | Interest Rate | Repayment | Regulated by CBK? |
|---|---|---|---|---|
| M-Shwari | 100 – 50,000 | 7.5% + fees | 30 days | ✔ Yes |
| KCB M-Pesa | 1,000 – 1M | 7.5% | 1–6 months | ✔ Yes |
| Fuliza | 1 – 70,000 | Daily fees | Daily | ✔ Yes |
| Branch | 500 – 300,000 | 1.5%–20% per month | 2–12 months | ✅ |
| Tala | 1,000 – 50,000 | 5%–15% | 21–30 days | ✅ |
| Zenka | 500 – 30,000 | 9%–30% | 30–61 days | ✅ |
| PesaPap (Family Bank) | 500 – 100,000+ | 8% | 1 month | ✔ Yes |
| Berry Loan App | 500 – 50,000 | Varies | 62–180 days | ✅ |
| Okash | 2,500 – 60,000 | 0.1%–1% daily | 92–365 days | ✖ No |
Note: Non-CBK regulated apps operate under the Digital Credit Providers (DCP) framework but are not banks.
📝 Final Thoughts
The Sulu Cash Loan App Kenya, powered by Jirani Labs Ltd, offers a convenient way for Kenyans to access fast, flexible, and paperless loans through their mobile phones. With competitive APRs, instant M-Pesa disbursement, and longer repayment durations, it is a practical choice for borrowers seeking financial support.
However, always borrow responsibly and ensure you understand the terms, fees, and repayment obligations inside the app before taking any loan.