Tena Pesa – Simple, Safe, and Smart Mobile Loans in Kenya
Unexpected expenses? Planning an important move? With Tena Pesa, you can apply for instant mobile loans directly from your phone — no paperwork, no queues, no hidden fees.
We have created a fully digital borrowing experience designed to serve you, not complicate your life. Whether it’s for urgent medical costs or emergency bills, Tena Pesa provides the funds you need — whenever you need them.

What Tena Pesa Offers
• Fast, Transparent Loans
Complete your application in minutes and receive funds directly into your M-PESA account upon approval. No collateral required.
• Loan Amounts and Terms
Loan amounts and repayment periods are determined based on approval, tailored to meet different users’ needs and repayment capabilities.
• Your Privacy, Fully Protected
Your data is safe with us. We use encryption and comply with Kenya’s privacy laws.

Loan Details
• Borrow from KES 1,200 to KES 90,000 (subject to approval)
• Repayment terms range from 91 to 210 days
• Annual Percentage Rate (APR) up to 19%, with an estimated daily rate of 0.05%

Loan Example
If you take a loan of KES 30,000 for 210 days at an annual interest rate of 12%, the interest and repayment are calculated as follows:
Daily Interest Rate: 12% ÷ 365 = 0.03288% per day
Interest Calculation: KES 30,000 × 0.0003288 × 210 ≈ KES 2,071.23
Total Repayment Amount: KES 30,000 + KES 2,071.23 = KES 32,071.23
Actual interest rate and loan amount may vary depending on your credit profile.

How to Get Started
1. Install the Tena Pesa app
2. Register using your mobile number
3. Provide your ID and basic personal information
4. Get approved and receive funds instantly

Eligibility
• Kenyan citizen aged 18 or older
• Valid national ID
• Active M-PESA account
• Applicant must have a stable source of income

Contact Us
• Email: [email protected]
• Phone: +254 723856491
• Service hours: Monday to Sunday, 9:00 AM – 6:00 PM
• Address: One Africa Place, Waiyaki way, Westlands, Nairobi

Why wait?
Download Tena Pesa today and apply quickly, safely, and confidently for the funds you need!