The Hustler Fund (the Financial Inclusion Fund) offers unsecured personal loans from KES 100 to KES 50,000 through mobile money. Enter a loan amount and the number of days you expect to take to repay.
Hustler Fund personal loan terms
- Amount: KES 100 to KES 50,000, depending on your credit score and repayment history.
- Interest: 8% a year, calculated daily.
- Term: 14 days.
- Late repayment: if you repay more than 14 days after borrowing, the rate rises to 9.5% a year.
- Savings: 5% of each loan goes straight into your savings.
- Security: none; the loan is unsecured.
How the calculator works
Interest is the loan amount multiplied by the annual rate and the number of days, divided by 365. Up to day 14 it uses 8%; beyond 14 days it applies 9.5% to the whole period, which is how we read the Fund’s description. On KES 5,000 for 14 days, interest is about KES 15.34. The calculator also shows the 5% savings set aside from the loan, as described by the Fund. How the Fund applies the late rate in practice may differ, so check your statement.
Who can apply and how
You must be a Kenyan citizen aged 18 or over with a valid national ID, registered on M-PESA, Airtel Money or T-Kash, with a SIM card active for at least 90 days. Dial *254#, choose the loan option and enter the amount. Approved money goes straight to your mobile wallet. Paying on time raises your limit and can make you eligible for other Hustler Fund products.
Contact
The Financial Inclusion Fund (Hustler Fund), KIBT Complex, 3rd Floor, P.O. Box 30547-00100, Nairobi. Phone +254 719 064 000, email info@hustlerfund.go.ke.
Frequently asked questions
What is the Hustler Fund interest rate?
8% a year, calculated daily, on the personal loan.
How long do I have to repay the Hustler Fund?
14 days. Repaying later than 14 days raises the rate to 9.5% a year.
Why do I receive less than I borrowed?
5% of each loan goes straight into your Hustler Fund savings.
How much can I borrow from the Hustler Fund?
Between KES 100 and KES 50,000, depending on your credit score and repayment history.
Related: PAYE & net salary calculator · SHIF calculator · NSSF calculator · Housing Levy calculator · Bank loan calculators
Sources
- Hustler Fund – Personal Loan (checked 13 October 2026)
