OPesa Personal Loan: Product Details & How to Apply

Rates available from as of 1st April 2021
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OPesa Loan
Easy Apply
Ksh1500 - 50k
14 days
Interest Rate
Total Cost Including Institution's Other Fees
16% - 29% per loan
Typically approved within 24 hours
visit website
Easy Apply

Loan Type

Unsecured Loans

Total Cost Breakdown (Loan Fees):

  • Interest Minimum: 16%, per Loan
  • Interest Maximum: 29%, per Loan
  • Processing fee: None
  • Insurance Fee: None
  • Withdrawal Fee: None
  • Late Fees: 2.4% Daily
  • Other Fees: None

Disbursement Details:

  • Institution Type: Digital Credit
  • Application Method: App Based
  • Disbursement Method: M-Pesa

Repayment Details:

  • Repayment Frequency: Bullet
  • Early Repayment: Allowed
  • Repayment Method: M-Pesa

Eligibility Requirement:

  • Smartphone: Required
  • CRB: Must be in good standing
  • Income: No minimum
  • Employment: Not Required
  • Network: M-Pesa Customer
  • History: Not Required


Representative Example of Loan Costs:

  • Example Loan Amount: ksh10,000
  • Representative Loan Cost: 29%
  • Total Loan Repayment Amount: ksh12,900

How to Apply

Money254 Review


  • Loan limit grows with time
  • Formal employment not required.


  • Very short repayment period of 14 Days
  • Relatively high penalty charges of 2.4% Per day

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How to Apply for OPesa Loan, App, Repayment, Fees, Contacts

Opesa is a mobile loan app, which is a product of Tenspot Kenya Limited. The loans are accessible through their application found on Google Play Store. With a 4.1 out of 5-star rating, the application has more than 1 million downloads and 48,000 reviews.

Who Is Eligible For OPesa Loans?

Loan Limits and Interest Rates

How to Register Using the OPesa App

How to Apply for Your First OPesa Loan

How to Make OPesa Loan App Repayments

Fees and Penalties

Privacy and Permissions

OPesa Loan App Reviews


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