FlashPesa is a loan app run by Ambush Capital Limited trading under FlashPesa, a digital credit provider licensed by the Central Bank of Kenya (CBK). It appears in CBK’s September 2026 directory with a licence date of October 1, 2024.
At a glance
| Lender (licensed name) | Ambush Capital Limited trading under FlashPesa |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed October 1, 2024 |
| Loan amounts (published) | KES 1,000 – 80,000 |
| Repayment term (published) | 91 – 365 days |
| APR / cost (published) | Max 36% (incl. fee) |
| Other fees and terms | Interest 0%; one-time origination fee KES 150 – 600 |
| Customer contact (per CBK) | +254769159474 · support@flashpesa.co.ke |
| Office (per CBK) | Unit 1302, 13th Floor, Applewood Adams, Ngong Road, Nairobi |
The terms are what the lender publishes on its Google Play listing; your actual limit, rate and fees are set by its credit scoring and shown in the app before you accept a loan. Terms not listed above are not published.
Repayment calculator
Prefilled with 36% a year for 91 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- FlashPesa-Loan up to 80000 Ksh – Google Play, 1M+ downloads, updated Sep 16, 2026
We checked Google Play only. Download only the listing whose developer matches the lender, and check the lender is in CBK’s directory before borrowing.
Terms as published by the lender
- Loan terms: From 91 days to 365 days
- Origination fee: One-time fee From 150 Ksh – 600 Ksh
- Interest: 0%
- Maximum Annual Percentage Rate (APR) includes interests plus origination fee is 36%
- If you apply amount Ksh 2000 with total 91days loan on 26th Mar 2021
- You will get the loan amount Ksh 2000 on 26th Mar 2021
- The due date is 24th Jun 2021 with amount Ksh 2000, Interest Ksh 0 and origination fees Ksh 150, due repayment is 2000+0+150=Ksh 2150
- Therefore, the total repayment should be Ksh 2150
How to apply
Install the app from the official listing above, register with your phone number and ID as the app asks, and review the loan offer: it must show the amount, the total cost and the due date before you accept. Loans are usually sent to M-Pesa. Repay through the app or the paybill shown in it. Late repayment can lead to penalties stated in your offer and to listing with a credit reference bureau.
Frequently asked questions
Is FlashPesa licensed by CBK?
Yes. Ambush Capital Limited trading under FlashPesa is in CBK’s Directory of Digital Credit Providers (September 2026), licensed October 1, 2024.
How much can I borrow on FlashPesa?
The lender publishes: KES 1,000 – 80,000. Your limit depends on its assessment.
How much does FlashPesa charge?
Published cost: Max 36% (incl. fee). Interest 0%; one-time origination fee KES 150 – 600
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- FlashPesa-Loan up to 80000 Ksh – Google Play listing (checked 13 Oct 2026)
More: All CBK-licensed loan apps · Cheapest loan apps compared · All 281 CBK-licensed digital lenders · CRB guide
