Kopa
Get instant mobile loans of up to Ksh 1,000,000 sent straight to your M-Pesa. Fast, fair, and hassle-free.
Regulated by CBK ๐ฐ
Instant disbursal
Apply in minutes and get funds sent straight to your M-Pesa wallet โ 100% digital, no paperwork.
Flexible repayments
Choose repayment schedules from 1 to 12 months with clear rates and zero hidden fees.
Higher limits
Repay on time to boost your credit rating and unlock higher limits up to Ksh 1,000,000.
What our borrowers say
Wanjiku M.
@wanjiku_m
Applied at 2am, money hit my M-Pesa before I could blink. No paperwork, no queue. This is how lending should work in 2026.
2h ago
u/ke_martin_ops
r/KenyaFinance ยท 142 upvotes
PSA: Kopa loans are legit โ my experience after 6 months
Started with Ksh 5,000 at Tier 1. Repaid 3 loans on time and now I'm at Tier 3 with Ksh 80,000 limit. The 5% processing fee is deducted from the disbursal โ no upfront payment needed. CBK regulated so your data is safe.
Amina Hassan
Posted in Kenya SME Business Owners
Used Kopa for my small shop restocking. Applied during my lunch break and the funds hit my M-Pesa in under a minute. The paybill is simple โ 400200 โ and I just used my phone number as the account. Repaid in 2 months and my limit went from Ksh 10,000 to Ksh 25,000. Highly recommend for small business owners! ๐
Brian O.
@brian_otieno
Was skeptical at first but the 5% fee is transparent โ no hidden charges. Got Ksh 45,000 for my matatu deposit. Repaid in 3 months and my limit doubled. Solid experience.
5h ago
u/nairobi_tech_girl
r/personalfinanceKE ยท 89 upvotes
Emergency fund backup โ how I use Kopa responsibly
I keep Kopa as my emergency backup. Used it twice for hospital bills โ the money arrives in under 60 seconds via M-Pesa. The 5% fee is worth it for the speed and convenience. Just make sure you repay on time to keep your limit growing.
Peter Kamau
Reviewed on Kopa Facebook Page
โญโญโญโญโญ Best loan app in Kenya! Got my loan disbursed to M-Pesa in less than a minute. The whole process is digital โ no paperwork, no going to any office. The paybill payment for the processing fee was straightforward. Will definitely use again.
Frequently Asked Questions
Everything you need to know about Kopa instant mobile loans, 5% processing fees, and M-Pesa disbursals.