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How to Apply for Meta Loan App Kenya – Eligiblility & Application Portal



How to Apply for Meta Loan App Kenya - Eligiblility & Application Portal
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How to Apply for Meta Loan App Kenya – Eligiblility & Application Portal


Meta Loan App Kenya: 

Introducing Meta Loan, the leading mobile loan application designed specifically for Kenyan users. Meta Loan enables users to secure loans ranging from KSh 1,000 to KSh 80,000, offering flexible repayment periods from 91 to 365 days. Our unique features include no requirement for a credit report, an entirely digital and paper-free process accessible via your mobile device, and no need for collateral. Additionally, experience 24/7 loan access, with the loan amount being transferred directly to your M-PESA account in just one minute. Your loan limit increases with your credit score. Get Meta Loan today and start borrowing effortlessly, anytime and anywhere in Kenya.



  1. Generous Loan Limits and Competitive Interest Rates: Borrowers benefit from substantial loan amounts ranging from KSh 800 to KSh 50,000, coupled with competitive interest rates. Flexible repayment periods spanning from 7 to 90 days cater to a variety of financial requirements.

    Simplified Application Procedure: An effortless application process eliminates the need for credit history checks. Kenyan residents aged 18 to 60 with stable incomes can conveniently apply online, with funds swiftly deposited into their M-PESA accounts within minutes.

    Stringent Data Protection Measures: Ensuring the utmost security of customer data, Meta Loan employs state-of-the-art technology and encryption protocols. Customers can trust in the safeguarding of their personal information, providing peace of mind throughout their borrowing experience.

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  1. Residency: To apply, one must be a resident of Kenya, meeting local regulatory requirements, easing the verification process, and providing the lender with legal security.
  2. Age Requirement: Prospective borrowers must be within the age range of 18 to 60 years. This criterion guarantees that applicants are of legal age to engage in contracts and are more likely to have a steady source of income, minimizing lending risks related to age.
  3. Proof of Stable Income: It is essential for applicants to prove they have a reliable source of income. This assessment is vital for determining the ability to repay the loan. Eligible sources of income include salaries from employment, profits from self-employment, or consistent returns from investments, ensuring a steady flow of funds for repaying the loan.

Interest Rates

Transparency in Interest Rates for Clear Financial Understanding: It’s vital for borrowers to have a transparent understanding of the costs associated with their loans. Providing detailed information on interest rates, like an annual percentage rate (APR) of 48%, empowers borrowers to make knowledgeable decisions about their financial engagements.

With the costs of borrowing explicitly defined, borrowers are prepared to manage their repayment responsibilities effectively, avoiding unexpected fees or hidden charges. For example, when borrowing amounts range from KSh 800 to KSh 50,000 with terms between 7 to 90 days, borrowers can accurately determine their repayment sums based on the stated APR and the specifics of their loan agreement.

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For example, if a borrower takes a loan of KSh20,000 with a term of 91 days, they can calculate the fees charged as follows:

  1. Monthly interest rate: 48% / 12 = 4%
  2. Monthly interest: KSh20,000 * 4% = KSh800
  3. Total monthly payment: KSh20,000 / 3 + KSh800 = KSh7467

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  1. Download the Meta Loan App: Begin by downloading the Meta Loan mobile application from your smartphone’s app store. The app is available for both Android and iOS devices.
  2. Install and Open the App: Once the download is complete, install the app on your device and open it to start the application process.
  3. Register/Login: If you’re a new user, you’ll need to register for an account on the Meta Loan app. Provide the required information to create your account. If you’re an existing user, simply log in using your credentials.
  4. Navigate to Loan Application: Once logged in, navigate to the loan application section within the app. This is usually prominently displayed on the home screen or accessible through a menu.
  5. Fill out the application form. Be sure to fill out the loan application form accurately. You may need to provide details such as your name, contact information, employment status, income details, and any other required information.
  6. Submit Your Application: Review the information you’ve provided to ensure its accuracy.Send in your loan application when you’re ready.
  7. Wait for Approval: After submitting your application, the Meta Loan team will review it.It usually just takes a few minutes to complete this process.
  8. Receive Approval and Funds: If your application is approved, you’ll receive a notification confirming the approval along with the details of your loan. The funds will then be disbursed directly to your registered bank account or mobile money account.

Remember that there is no cost associated with submitting an application. No additional fees or charges will be incurred for the application process. Simply download the Meta Loan app, follow the steps outlined above, and access quick and convenient financial assistance whenever you need it.


To repay your loan with Meta Loan, follow these simple steps:

  1. M-Pesa Paybill: Use our M-Pesa Paybill number 4023507, with your registered M-Pesa phone number as the account number.
  2. M-Pesa Express via App: Alternatively, repay through our Meta Loan app using M-Pesa Express.
  3. Enter Payment Amount:Indicate the desired payment amount.
  4. Enter M-Pesa PIN: Input your M-Pesa PIN for authorization.
  5. Timely Repayment Benefits: Timely repayment improves your credit score and increases your chances of receiving higher loan limits in the future.


In essence, Meta Loan App Kenya emerges as more than just a financial platform—it becomes a beacon of reliability and transparency for those in search of swift access to funds. Through its intuitive interface, borrowers navigate with ease, exploring a realm of flexible borrowing options tailored to their needs. Behind the scenes, security measures are woven seamlessly into the fabric of the app, ensuring a fortress of protection for users’ financial data.

But Meta Loan is not merely a means to an end; it’s a catalyst for financial empowerment. By championing transparency, affordability, and data security, Meta Loan doesn’t just offer loans—it offers a pathway to financial liberation. With each transaction, Kenyans are not just borrowing; they are investing in their dreams, fortifying their financial foundations, and nurturing a brighter tomorrow.

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