Personal Loans

OPesa Personal Loan: Product Details & How to Apply

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OPesa
OPesa Loan
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View the Loan Breakdown
Loan Amount
Ksh1500 - 50k
Loan Period
14 days
Interest Rate
Total Cost
(incl fees)
16% - 29% per loan
Product Details
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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

Documents:

Representative Example of Loan Costs:

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

How to Apply

Our Review
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Pros:

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

Cons:‍

  • 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

Contacts

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