InstaPesa is an online loan application in Kenya, providing loans of up to 80,000 KES with a simple process, automatic approval, and quick support.
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Are you in need of a quick and convenient loan? Let’s explore InstaPesa – An online financial application for fast loans with favorable limits, flexible in Kenya. InstaPesa was established in 2022 and has rapidly become a reputable brand trusted by many customers. The application offers a simple and convenient loan registration process, allowing you to easily make quick and hassle-free online loans and payments. Discover now to experience the convenience and security of the InstaPesa App.

Contact information for InstaPesa:

  • Customer Service Email: [email protected]
  • Website:
  • Address: Tulivu Junior Academy, Kiambu, Kenya.

If you have any questions, suggestions, or need support, please contact customer service via the email address provided. The support team at InstaPesa will strive to assist you as soon as possible.

Detailed information about the service

  • Loan amounts from Ksh3,000 to Ksh80,000.
  • Loan terms from 91 to 365 days.
  • Service fee is 6%.
  • Interest rates range from 8% to 20%.

Example of cost calculation

If you borrow 20,000 Ksh at an annual interest rate of 10% over 180 days with a service fee of 6%:

  • Interest amount = 20,000 Ksh * 10% / 365 * 180 = Ksh 986.
  • Service fee = 20,000 * 6% = 1,200 Ksh.
  • The total amount to be repaid is 22,186 Ksh (20,000 + 986 + 1,200).
  • The monthly payment will be 3,698 Ksh (22,186/6).

Conditions for borrowing at InstaPesa

To apply for a loan on the InstaPesa App, you need to meet certain conditions, as follows:

  • Be a Kenyan citizen aged between 18 and 60, residing and working within the country.
  • Have valid personal documents.
  • Need to have an M-pesa account.
  • Have a stable income from legitimate sources.
  • Be able to repay the loan within the required time frame.
  • Provide information and images of the required documents as requested by InstaPesa.

Additionally, the assessment of a customer’s borrowing ability will be based on various factors such as credit history, borrowing and repayment history, place of work, length of service usage, etc. Depending on these factors, InstaPesa will make decisions on approving the loan and the maximum borrowing limit for each customer.

The process of applying for a loan on the InstaPesa App

The loan application process on the InstaPesa app is quite simple and fast. You just need to follow a few steps as instructed below:

Step 1: Download the InstaPesa APK/IOS and create an app account by providing the necessary information and verifying your phone number. You can find the app at:

Step 2: Select the desired loan amount and repayment period. Choose one that suits your conditions.

Step 3: Provide personal information, including:

  • Personal ID number, bank account number, credit history, income, etc.
  • Images of your personal documents and a portrait photo of yourself.

Step 4: Wait for the app’s automated approval process. The approval time is usually very fast, and customers will receive notification of the result through the app or SMS.

Step 5: If the loan is approved, customers will receive information about the limit and applicable interest rates. After confirming agreement to the loan terms, the loan amount will be transferred to the customer’s bank account within 15 to 30 minutes.

After successfully applying for a loan on InstaPesa, customers can repay their loans through convenient channels such as bank transfer, credit card, e-wallet, etc. If additional support is needed, customers can contact the InstaPesa customer service.

Frequently Asked Questions at InstaPesa

How much money can I borrow from InstaPesa?

The loan amount can range from 3,000 KES to 80,000 KES.

How long do I need to repay the loan?

The repayment period can range from 91 days to 365 days.

What are the interest rates and service fees at InstaPesa?

The interest rates can range from 8% to 20%, and the service fee is 6%.

What documents does InstaPesa require to verify my address?

InstaPesa may require some documents such as utility bills or a driver’s license to confirm your address.

Can I change the repayment period or loan amount after submitting the application?

Currently, you cannot modify the information in the application after it has been submitted.

How long will InstaPesa process my application?

The processing time may vary depending on InstaPesa’s approval process and may take up to several working days.

Can I repay the loan earlier than scheduled without penalties?

Yes, you can repay the loan early without any prepayment penalties.

I forgot my password. How do I reset it?

You can use the password recovery feature on the InstaPesa app or website to reset your password.


InstaPesa is an online loan service in Kenya, providing cash loans of up to 80,000 KES with flexible terms. Additionally, the application features a simple and convenient process, does not require a credit history, and offers automatic approval. InstaPesa provides users with flexibility in accessing financial resources. The customer service address and quick support also ensure that users can receive assistance when needed.

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