Pawa Kash and Beta Pesa is a loan app run by Sokohela 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 September 19, 2022.
At a glance
| Lender (licensed name) | Sokohela Limited |
|---|---|
| CBK licence | Licensed digital credit provider, listed in the directory dated September 2026; licensed September 19, 2022 |
| Loan amounts (published) | Not stated in the listing |
| Repayment term (published) | Pawa Kash 91 – 180 days; Beta Pesa 91 – 360 days |
| APR / cost (published) | Max 24% (annual interest) |
| Other fees and terms | Example: KES 5,000 for 121 days at 18% costs KES 298 |
| Customer contact (per CBK) | +254728915511 · business@sokohela.com |
| Office (per CBK) | Rivonia House, 2nd Floor, Naivasha 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 24% 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
- Pawa Kash – Google Play, 1M+ downloads, updated Jul 11, 2026
- Beta Pesa – Google Play, 500K+ downloads, updated Aug 15, 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
- Flexible Repayment: Choose any repayment period from 91 to 180 days
- Low Interest Rates: Maximum annual interest rate of 24%
- If you choose a loan limit of KES 5,000.00 with a period of 121 days
- the interest rate of 18%,
- total interest must be paid: KES 5,000.00 * (18%/365*121) =KES 298.00,
- total payment of KES 5,298.00,
- KES 5,000 (borrowed amount) + KES 298.00 (interest rate) =KES 5,298.00, (total payment)
- 09:00 – 17:00 during workdays
- Customizable Repayment Options: Choose a repayment period that suits your financial situation, ranging from 91 to 360 days for maximum flexibility.
- Competitive Interest Rates: Benefit from a maximum annual interest rate of 24%, ensuring affordable loan terms for all our customers.
- If you choose a loan limit of Ksh 5,000.00 with a repayment period of 120 days at an interest rate of 18%:
- Total interest payable: Ksh 5,000.00* (18%/365*120) = Ksh 296.00.
- Total amount due: KES 5,296.00.
- Breakdown: KES 5,000 (principal) + KES 296.00 (interest) = KES 5,296.00 (total payment).
- Working hours: 09:00 – 17:00 during workdays
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 Pawa Kash and Beta Pesa licensed by CBK?
Yes. Sokohela Limited is in CBK’s Directory of Digital Credit Providers (September 2026), licensed September 19, 2022.
How much can I borrow on Pawa Kash and Beta Pesa?
The lender publishes: Not stated in the listing. Your limit depends on its assessment.
How much does Pawa Kash and Beta Pesa charge?
Published cost: Max 24% (annual interest). Example: KES 5,000 for 121 days at 18% costs KES 298
Sources
- CBK – Directory of Digital Credit Providers (September 2026) (checked 13 Oct 2026)
- Pawa Kash – Google Play listing (checked 13 Oct 2026)
- Beta Pesa – 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
