M-KOPA is a loan app run by M-Kopa Loan Kenya 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 January 30, 2023.
At a glance
| Lender (licensed name) | M-Kopa Loan Kenya Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed January 30, 2023 |
| Loan amounts (published) | KES 4,000 – 15,000 |
| Repayment term (published) | 105 – 282 days |
| APR / cost (published) | 67% – 109% |
| Other fees and terms | Monthly interest 5.6%–9.1% |
| Customer contact (per CBK) | +254799 136 761 · compliance@m-kopa.com |
| Office (per CBK) | Riverside Paddocks, M-Kopa House, 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 109% a year for 105 days from the published terms. Change the amount, rate, term and any upfront fee to match the offer in the app.
App availability
- M-KOPA – Google Play, 5M+ downloads, updated Oct 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
- Loan amounts: Ksh 4,000-15,000
- Repayment period: 105-282 days
- Interest rate (monthly): 5.6-9.1%
- Interest rate (annual/APR): 67-109%
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 M-KOPA licensed by CBK?
Yes. M-Kopa Loan Kenya Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed January 30, 2023.
How much can I borrow on M-KOPA?
The lender publishes: KES 4,000 – 15,000. Your limit depends on its assessment.
How much does M-KOPA charge?
Published cost: 67% – 109%. Monthly interest 5.6%–9.1%
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- M-KOPA – 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
