Everyone

L-Pesa Micro Finance

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L-Pesa application allows you to access loans anytime, anywhere. Sign-up in seconds, apply for a loan, and receive the money straight to your account. It’s a fast, convenient and reliable way to access money when you need it.

Get your loan right to your mobile account, like M-Pesa (Kenya).

It’s Easy to Get Started

* Create your account
* Apply in seconds
* Receive your loan straight into your mobile money 
* Build your credit scores to access higher limits

Your mobile loan is sent to you straight through your mobile money account

Key L-Pesa Features: Loans Are Just a Touch Away 

L-Pesa gives you full control of your finances. The L-Pesa app lets you apply for credit on the go and it works 24/7.

* No paperwork, collateral, or office visits are needed
* Use the money for either personal or business purposes
* No late charges or rollover fees
* Get access to bigger loans, lower fees, and flexible payment terms as you repay
* Loans are approved and received fast
* Option to choose repayment terms up to 9 weeks minimum

Safe and Secure  

L-Pesa makes getting a personal loan simple by using preexisting data on your phone, such as your SMS history to verify your identity and create a credit score. We encrypt the data you choose to share with us to protect your privacy. We take your privacy very seriously and promise to never share your information with third parties.

What are My Loan Terms?

Customers can apply from a minimum sum of 100 KES to the maximum sum of 70000 KES, ranging from a minimum of 63 days to a maximum of 730 days. 

Kenya: 
Loan sums from 100 KES – 70,000 KES 
The monthly interest of 2% – 16% 
Effective APR of 22% - 199% 
A one-time loan processing fee of 3%

Interest rates are determined by a number of factors, such as your repayment history and the cost of lending for L-Pesa. The customer can pay the loan before its due date and be eligible for another loan. Standard SMS and data charges by your mobile carrier may apply.

For example, for a 63 day loan with a principal of KES 1030, the processing fee is KES. 31(3%) and the interest will be KES. 263. The total sum due would be KES.1294. 
All the important points for the loan in detail:

Loan sum (principal): KES 1030
Processing fees: KES 31
Total interest: KES 233
Total payment: KES 1294
Total Payment Duration: 63 days (9 weeks)

Depending on the loan amount for which you are eligible, you have the option to choose repayment terms up to 9 weeks minimum. Every loan amount we offer has the option to repay in a minimum of 63 days to a maximum of 730 days. No auto-debit is guaranteed. You can decide when you are ready to repay.

Loan repayments are done on a weekly schedule.

Penalty?

Upon the lapse of the loan repayment duration, you will not be able to access any loan until repayment is complete; furthermore, your loan limit will be reduced as your credit score lowers. 

How Do I Repay My Loan?

Use M-Pesa Pay bill number: 715489
Under account number: Use your registered phone number or loan reference number.

Loan Payment can be made in full or partially before the due date.

Contact Us

We’re always happy to hear from you! If you have any feedback, questions, or concerns, please e-mail us at info@l-pesa.com or find us on Facebook!
Like us on Facebook Kenya: https://www.facebook.com/lpesacareske/
Visit our website: http://www.l-pesa.com/
Whatsapp: +254743300689/+254110095554

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