Makinika Loans can give quick loans to Kenyans who need money to help grow their businesses, pay for school fees, buy items or finance any other emergencies.

How simple is the process?
• Download the Makinika Loans app
• Fill out our quick loan application in the Makinika Loans mobile app
• Verify your identity through our system
• Get cash sent directly to your M-Pesa instantly

Why loan from Makinika Loans?
• No Credit report required
• Get 7/24 access to loans anytime, anywhere
• Disburse to your bank account or M-PESA directly in 5 minutes once approved
• Available across Kenya
• As the credit score grows, the loan amount increases
• Various convenient repayment methods

What are my loan terms?
• Kenyan resident
• 18-55 years old
• Loan terms：From 90 days to 365 days.
• Loans range ：from KSH 1,200 to KSH 20,000
• The maximum APR is 24%
For example：
91 - day loan payment terms have a service fee of 5%. For the loan processed with principal amount of 1,000, the service fee would be KES 50, the total amount due would be KES 1,050.