How to Get Instant Online Loans with True Pesa

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True Pesa is a loan app that stands out as a trusted solution for instant online loans in Kenya. True Pesa offers a reliable and flexible lending platform tailored to meet your financial needs, whether it’s boosting your business capital, managing medical bills, clearing credit card debt, funding education, covering daily expenses, or financing special occasions.

Why Choose True Pesa?

True Pesa is committed to providing Kenyans with convenient, low-interest loan products that eliminate the stress of hidden charges and exorbitant interest rates. The platform is designed to ensure affordability while empowering users with fast, accessible financial support whenever it’s needed most.

True Pesa Loan Features

With True Pesa, borrowers can access loan amounts ranging from KES 2,000 to KES 80,000, depending on their eligibility and repayment history. The loan tenure spans from 91 days to 365 days, offering flexibility for both short-term and long-term borrowing needs.

The True Pesa Annual Percentage Rate (APR) ranges between 12% and 25%, while service fees fall between 2% and 8%—making it a competitive option in Kenya’s digital lending space.

Example Calculation: If you borrow KES 5,000 at an APR of 14% for 180 days, with a 5% service fee, your total repayment will be:

Interest: KES 345
Service Fee: KES 250
Total Repayment: KES 5,595

Read: 10 Best Loan Apps in Kenya 2025

True Pesa Eligibility Requirements

To qualify for a True Pesa loan, you need to meet the following conditions:

Be a Kenyan citizen
Be aged 18 to 65 years
Have a regular and verifiable source of income

These simple requirements make True Pesa accessible to a wide range of users, from employed individuals to small business owners.

How to Apply for a Loan on True Pesa

Getting started with True Pesa is quick and straightforward:

Sign Up: Create your True Pesa account on the mobile app.
Provide Information: Fill in your basic personal and financial details.
Select Loan Options: Choose your preferred loan amount and repayment duration.
Receive Approval: Wait for confirmation and get funds sent directly to your mobile wallet.

The True Pesa app is available on Android devices (version 5.0 and above) and has already crossed 1,000,000+ downloads, reflecting its growing popularity among Kenyan borrowers.