Little Pesa is a loan app run by Little Pesa Limited, 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 March 27, 2023.
At a glance
| Lender (licensed name) | Little Pesa Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed March 27, 2023 |
| Loan amounts (published) | Up to KES 200,000 (short-term) |
| Repayment term (published) | 62 days (short-term); longer instalment loans up to 12 months |
| APR / cost (published) | Max 110% (short-term); max 72% (instalment) |
| Other fees and terms | Short-term: 18.75% flat interest payable upfront |
| Customer contact (per CBK) | +254746510778/+254710490126/+254746510781 · Info@littlepesa.com |
| Office (per CBK) | Reliable Towers, Mogotio Road, Westlands, 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 110% a year for 62 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- Little Pesa Mobile Loans – Google Play, 100K+ downloads, updated Aug 7, 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
- 1. Short-Term Loan Limits up to Ksh 200,000
- Loan Tenures is 62 Days. However, the borrower has an option to
- choose early repayment of 7 days, 15 days and 30 days and interest is charged according to the loan tenure chosen.
- Earn Loyalty points equal to 1% of the loan amount on every loan paid on or before the due date.
- Maximum APR is 110%
- Representative example of a loan having repayment period of 62 days: Amount of loan Ksh 10,000 Processing fee NIL. Interest @ 18.75% flat i.e Ksh 1,875 payable upfront . The maximum APR works out to be 110%.
- Earn Loyalty points equal to 0.5% of the loan amount on every loan instalment paid on or before the due date.
- Most competitive Interest Rates—for 12 months loan interest is just 4.5% p.m
- Maximum APR is 72%
- Representative example of a loan having repayment period of 3 months : Amount of loan Ksh 10,000 Processing fee NIL. Interest @ 6% p.m i.e Ksh 600 p.m. So Maximum APR is 72%.
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 Little Pesa licensed by CBK?
Yes. Little Pesa Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed March 27, 2023.
How much can I borrow on Little Pesa?
The lender publishes: Up to KES 200,000 (short-term). Your limit depends on its assessment.
How much does Little Pesa charge?
Published cost: Max 110% (short-term); max 72% (instalment). Short-term: 18.75% flat interest payable upfront
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Little Pesa Mobile Loans – 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
