Check Eligibility

A Simpler Way to Access Loans in Kenya.
Convenient Funds Sent to M-PESA

KopaCash gives you a straightforward way to explore personal, business and emergency loan options, with approved funds delivered to your M-PESA when eligible.

Quick Application

Complete the application in a few simple steps.

M-PESA Delivery

Approved funds can be sent to your M-PESA line.

Repayment Planning

Review the repayment term before choosing your loan.

Customer with KopaCash loan approved

Explore Your Loan Options

Tell us a little about yourself to view the KopaCash loan options available for your application.

Provide the requested details to continue. Applicable charges are shown with your loan information before you proceed.

By continuing, you acknowledge the Terms and Conditions and Privacy Policy.

KopaCash provides digital lending services under the stated terms. Review the applicable information and verify the provider details on the CBK register.

How Your Application Works

Move from application to loan selection in three straightforward stages.

1. Share Your Details

Enter the requested identification and contact details so your application can be reviewed.

2. Review Your Options

Your available loan choices are presented for you to review alongside the relevant terms.

3. Receive Approved Funds

Where your application is approved, the selected funds are sent to your registered M-PESA number.

Why Customers Consider KopaCash

We keep the process clear, easy to follow and focused on the information you need.

Clear Application Review

Applications are reviewed against the information provided and applicable lending criteria.

Convenient M-PESA Access

Approved funds are directed to your M-PESA account, subject to the stated terms.

Clear Cost Information

Applicable charges are presented with the loan information before you proceed.

Privacy-Conscious Service

We aim to handle your application information responsibly and in line with our privacy terms.

Loan Options Built Around Your Needs

Compare the available KopaCash options below and review the repayment, rate and fee information before selecting one.

Kopa Cash 8K

Ksh. 8,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 49 (deducted, not upfront)
You receive on M-PESAKsh 7,951

Kopa Cash 18K

Ksh. 18,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 99 (deducted, not upfront)
You receive on M-PESAKsh 17,901

Kopa Cash 45K

Ksh. 45,000
  • ✔ Repayment: 6 Months
  • ✔ Interest Rate: 2% / month
  • ✔ Processing Fee: Ksh 149 (deducted, not upfront)
You receive on M-PESAKsh 44,851

KopaCash Loan FAQs

Useful answers about applications, repayment and the KopaCash lending process.

Is KopaCash a genuine lending option?

KopaCash presents its lending information and applicable terms through its digital platform. Before borrowing, review the offer carefully and verify the provider details through the official CBK register.

Can I apply without presenting a payslip?

Eligibility depends on the application information and the provider’s affordability assessment. A payslip is not listed as the only source of information, so applicants should provide the details requested during the application process.

Does a CRB record affect my application?

A credit profile may form part of the wider lending assessment where applicable. A final decision depends on the provider’s review of your application and affordability.

Where can I see the loan charges?

The rate, processing fee and repayment information are shown alongside each loan option so you can compare the available choices before making a decision.