By using Fpesa services, you agree to these terms.
You must be 18+, a Kenyan citizen/resident with valid National ID. Employment or verifiable income required.
All applications subject to review. Non-refundable processing fee of KSH 200.00 per application. Submission does not guarantee approval.
Interest rates vary by type and are displayed before application. Repayment in equal monthly installments (EMI). Late payments may incur charges.
Upon approval, a loan agreement is generated. You must download, sign, and upload the signed copy. Disbursement occurs after verification.
Personal information stored securely and used only for loan processing. We do not share data with third parties without consent.
Failure to repay may result in penalties, negative credit reporting, and legal action.
Last updated: March 2026