Fpesa
Trusted by 10,000+ Kenyans

Get Instant
Loans Anytime,
Anywhere

Fast approval, flexible repayment, and competitive rates. Your financial goals are within reach with Fpesa.

98%
Approval Rate
24hrs
Fast Disbursement
4.9★
Customer Rating
Loans at your fingertips
Why Choose Us

Trusted Financial Solutions

Secure, fast, and transparent lending designed for every Kenyan.

STRONG SECURITY

Our lending platform offers robust protection with bank-level encryption and full data security.

TRANSPARENT RATES

Clear interest rates with no hidden charges. What you see is what you pay.

FAST DISBURSEMENT

Approved funds sent to your wallet or M-Pesa within hours. No delays.

MOBILE ACCESS

Apply, repay, and track loans from any device. Fully mobile optimized.

AFFORDABLE RATES

Interest rates from just 8% p.a. with Agri-Growth loans. Flexible terms.

EASY REPAYMENT

Lipa Mdogo Mdogo — pay any amount, anytime. Partial payments accepted.

Loan Products

Financing Tailored For You

Personal Loan

Quick personal loans for your immediate needs. ...

9.00%
Interest Rate
Take MinimumKSH 5,000.00
Take MaximumKSH 500,000.00
Per Installment9.00%
Installment Interval30 Days
Term Range1-24 months
Apply Now

School Loan

Invest in education with our affordable school ...

12.00%
Interest Rate
Take MinimumKSH 10,000.00
Take MaximumKSH 1,000,000.00
Per Installment12.00%
Installment Interval30 Days
Term Range3-36 months
Apply Now

Car Loan

Drive your dream car with our auto financing op...

13.00%
Interest Rate
Take MinimumKSH 100,000.00
Take MaximumKSH 5,000,000.00
Per Installment13.00%
Installment Interval30 Days
Term Range6-60 months
Apply Now

Real Estate Loan

Finance your property dreams. Competitive rates...

11.00%
Interest Rate
Take MinimumKSH 500,000.00
Take MaximumKSH 20,000,000.00
Per Installment11.00%
Installment Interval30 Days
Term Range12-120 months
Apply Now

Business Loan

Grow your business with our flexible business f...

15.00%
Interest Rate
Take MinimumKSH 50,000.00
Take MaximumKSH 5,000,000.00
Per Installment15.00%
Installment Interval30 Days
Term Range3-36 months
Apply Now

Emergency Loan

Instant emergency loans when you need them most...

13.00%
Interest Rate
Take MinimumKSH 1,000.00
Take MaximumKSH 100,000.00
Per Installment13.00%
Installment Interval30 Days
Term Range1-12 months
Apply Now

Salary Advance

Get an advance on your next salary. Easy qualif...

10.00%
Interest Rate
Take MinimumKSH 1,000.00
Take MaximumKSH 200,000.00
Per Installment10.00%
Installment Interval30 Days
Term Range1-3 months
Apply Now

Agri-Growth Loan

Affordable financing designed for farmers and a...

7.50%
Interest Rate
Take MinimumKSH 5,000.00
Take MaximumKSH 2,000,000.00
Per Installment7.50%
Installment Interval30 Days
Term Range3-48 months
Apply Now
Simple Process

How It Works

1

Create Account

Register in under 2 minutes with your basic details.

2

Apply for Loan

Choose your loan type and fill the application form.

3

Get Approved

Our team reviews and approves within 24 hours.

4

Receive Funds

Once approved, funds are disbursed instantly.

Calculator

Plan Your Repayment

Monthly Installment
KSH 9,456
PrincipalKSH 100,000
Total InterestKSH 13,472
Total RepaymentKSH 113,472
Apply for This Loan
Testimonials

Trustworthy Feedback
From Our Customers

Mary Wanjiku
Business Owner

Zuri Loans helped me expand my shop with a quick business loan. The process was seamless and the team was incredibly helpful. I got my funds the same day!

John Kamau
Teacher

I used the salary advance to handle an emergency. Got funded the same day I applied! The repayment plan was very flexible and manageable.

Grace Achieng
Farmer

The Agri-Growth loan covered my farm equipment and seeds. Paying back in small installments has been a game-changer for my family.

FAQS

Have questions in your mind?
Get the Answers

Create an account, choose your loan type, fill the application form, pay the processing fee of KSH 200.00, and submit. We review within 24 hours.

Your National ID, proof of income (payslip or bank statement), and a valid phone number and email address.

Most applications are reviewed within 24 hours. Once approved, funds are disbursed to your wallet immediately.

Yes! Lipa Mdogo Mdogo — make partial payments at any time without penalties. Pay what you can, when you can.

Yes! Our Agri-Growth Loan offers our lowest rates at 8% p.a., designed specifically for farmers and agricultural entrepreneurs.

The processing fee is KSH 200.00. One-time non-refundable fee per application.

FAQ

Still have questions?

Can't find the answer you're looking for? Our friendly team is here to help you 24/7.

Contact Support

Comprehensive Loan
Solutions at Your
Fingertips

Where smart financing meets seamless technology. We empower Kenyans to achieve financial freedom with instant loans, flexible repayment, and mobile-first banking.

Get Started Now