Mshahara

Earned-wage advance.

Take up to 30% of accrued wages now. Repaid at next payroll.

Rate

From 3.0% monthly

APR equivalent

From 42.6% APR equivalent

Typical amount

KES 50,000-500,000

Typical tenor

3-12 months

Example total cost

PrincipalKsh 100,000

FeesKsh 1,750

Interest estimateKsh 9,000

Total repayable estimateKsh 110,750

KES 1,500 setup fee
KES 250 notification and statement fee

Estimated time to apply

~2 minutes

You can step away and resume from the same device — uploads survive a refresh.

Document checklist

National ID
KRA PIN
Recent M-Pesa or bank statement

What happens next

Run eligibility
Give consent
Upload documents
Track by OTP

If you do not qualify yet

Reduce requested amount if projected repayment exceeds 35% of monthly inflow.
Add recent statements or buyer confirmations if income evidence is thin.

Document readiness

Photo capture coach

Place the document on a flat surface with all four corners visible.
Retake the photo when glare, blur, cropped edges, or unreadable numbers appear.
Capture logbook, title deed, ID, and collateral photos in daylight where possible.
Keep each upload under the byte budget so low-bandwidth borrowers can retry safely.

All four corners visible
Cropped edges can hide document type, expiry, or ownership details.Numbers are readable
ID, KRA PIN, logbook, or title numbers must be legible for verification.No glare or shadow
Glare and shadow increase manual review and resubmission risk.Owner or applicant name matches
Name mismatches need explanation before submission.Borrower can retake now
A retake before upload is faster than officer rejection later.Keep uploads low-bandwidth and retry-friendlyBorrower can retake the photo now if needed

Ready to upload clear documents

National IDKRA PINRecent M-Pesa or bank statement

I understand consent is required before document checksUse low-bandwidth upload guidance before retriesI can retake unclear photos before submittingI accept officer review if evidence needs checking

Ready to start consent and upload

Run eligibility check Start application →