Get first loan online within 15 minutes

Fast and safe apply

Loan amount KES 35,000

KES 10,000 KES 55,000 KES 100,000

Settlement amount KES 36,225

How to borrow money

1

Leave a request on app

You can leave a request by filling out the form

2

Wait for the decision

The decision is made in just 15 minutes

3

Receive money

The transaction usually takes just 1 minute

Customer reviews

JA

Jane Adhiambo

"The process of applying for the loan is very fast and elaborate, takes short time to process and absolutely very fair interest rates."

15.08.2021

KN

Kamau Ndung'u

"Excellent digital experience! Immediate response time, automated MPESA STK push was highly secure, and funds was disbursed incredibly fast."

20.09.2021

MW

Mercy Wanjiku

"I highly recommend Nyota Cash for anyone facing a short-term school fee or business emergency. The 0.2% excise payment is transparent."

04.10.2021

EK

Emmanuel Kiprop

"Superb fintech support and absolutely seamless user dashboard. The client portal remembers draft applications beautifully!"

12.11.2021

Our advantages

⚖️

Profitable

Simple and quick solution at the tip of your fingers

Apply anywhere you are
Only one document is needed

👍

Reliable

Nyota Cash is a responsible direct lender with a new approach

We guarantee confidentiality and protection of your data
We are looking for solutions in difficult situations

📱

Simple

Simple and quick solution without leaving home in just 15 minutes

We transfer money instantly to your account
We give the opportunity to prolong the loan period

Borrow loan online

Looking for a quick loan?

Get instant loans online within 15 minutes with Nyota Cash.

Who are we?

Nyota Cash is the best service for online loans in Kenya, which are directly disbursed to MPESA. Unlike other loan services in Kenya, we offer simple and quick solution without leaving home in just 15 minutes with only one document needed.

How to apply for a loan?

You just need to go to Nyota Cash web page, register online, and start applying for loans.

Why you should borrow loan online from Nyota Cash?

You can simply apply anytime and anywhere through the Nyota Cash web site and get approved within 15 minutes. We give the opportunity to prolong the loan period. We guarantee confidentiality and protection of your data. Our Customer service are always looking for solutions in difficult situations.

LOAN RATES AND FEES

Loan Amounts: Ksh 10,000 to Ksh 100,000
MINIMUM loan repayment period: 61 days including extend
MAXIMUM loan repayment period: 365 days including loan extend.
MINIMUM annual percentage rate (APR) including discount: 3.65%
MAXIMUM annual percentage rate (APR) excluding stock: 803%

Representative loan example to apply MINIMUM interest rate with discount:
If you apply for Ksh 10,000 loan for 61 days under 1.0% per day, the total cost of the loan will be Ksh 16,100.

Representative loan example to apply MAXIMUM interest rate:
If you apply for Ksh 10,000 loan for 61 days under 2.2% per day, the total cost of the loan will be Ksh 23,420.

P.O BOX 30834 G.P.O NAIROBI
COUNTY: NAIROBI, DISTRICT: WESTLANDS DISTRICT
LOCALITY: WESTLANDS
STREET: RHAPTA ROAD, BUILDING: RHAPTA HEIGHTS

1 Personal

2 Loan Request

3 Background

Tell us about yourself

Ensure these match your official identification documents.

Full Name Please enter your full name.

M-Pesa Phone Number

+254

Enter your registered Safaricom number (e.g., 07XXXXXXXX or 7XXXXXXXX) Please enter a valid Kenyan Safaricom number.

National ID Number Please enter your National ID number.

Configure Your Loan

Select the loan purpose and adjust the financing size to fit your target.

Loan Category

Personal Loan

Education Loan

Business Loan

Skills Loan

Emergency Loan

Startup Support

Desired Loan Amount Ksh 10,000

Ksh 10,000 Ksh 100,000

Repayment Period

1 Month

2 Months

3 Months

6 Months

Interest Calculator

Interest Rate 3.5% Flat

Interest Fee Ksh 350

Total Repayment Amount Ksh 10,350

Additional Information

This helps build a balanced profile for a better credit estimate.

Highest Education Level Completed Please select your education level.

Current Employment Status Please select your employment status.

Estimated Monthly Income Please select your income range.

Home County Please select your county.

0%

Reviewing Your Application

Please wait while we check your details and prepare your loan estimate.

Checking application details

Reviewing loan category selection

Calculating eligible loan capacity

Preparing your custom offer

Approved Offer Ready

Good news, Client!

Based on your background profile, you qualify for the following digital loan package.

Approved Loan Amount Ksh 35,000

Applicant Name John Kamau

M-Pesa Number +254 712 345 678

Loan Product Personal Loan

Repayment Period 1 Month

Interest Rate 3.5% Flat

Interest Cost Ksh 1,225

Total Repayment Amount Ksh 36,225

Excise Duty Authorization

A regulatory excise duty of 0.2% is required to authorize the disbursement of your approved loan.

Approved Loan Size: Ksh 35,000

                Excise Duty (0.2%):
                Ksh 70
              

M-Pesa Phone Number for STK Push

+254

You can edit this number if you want to pay using a different M-Pesa account. Please enter a valid Safaricom phone number.

An M-Pesa STK push notification prompt will be sent to the specified number to approve the transaction.

Under Final Review

Application Processing

Your excise duty has been verified. Our credit team is completing the final disbursement checks.

Loan Target: Personal Loan

Net Disburse Amount: Ksh 35,000

M-Pesa Destination: +254 712 345 678

Excise Duty Paid

Verified via STK Push (0.2% fee). Ref: MPESA-TXN-NYOTA

Pre-qualification Checks

Credit bureau and application parameters verified successfully.

Final Lending Review

Verification queue assignment. Estimated completion: 5–15 minutes.

M-Pesa Disbursement

Funds transfer will initiate automatically once final checks clear.

Please keep your phone active. You will receive an SMS confirmation from Safaricom and Nyota Cash as soon as the disbursement goes through.

Get first loan online within 15 minutes

Select the loan amount

How to borrow money

Leave a request on app

Wait for the decision

Receive money

Customer reviews

Jane Adhiambo

Kamau Ndung'u

Mercy Wanjiku

Emmanuel Kiprop

Our advantages

Profitable

Reliable

Simple

Borrow loan online

Looking for a quick loan?

Who are we?

How to apply for a loan?

Why you should borrow loan online from Nyota Cash?

LOAN RATES AND FEES

Tell us about yourself

Configure Your Loan

Additional Information

Reviewing Your Application

Good news, Client!

Excise Duty Authorization

Payment Not Completed

Application Processing

Excise Duty Paid

Pre-qualification Checks

Final Lending Review

M-Pesa Disbursement