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Apesa Loan: how to Activate and Access

By Oluchukwu Ikemefuna

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With more loan apps rising in Kenya today, it can be challenging to pick just one to rely on. The best approach is always to read up on each and weigh the pros and cons, and by this, we mean requirement, loan limit, and repayment length.

Source: APesa Website

If you have been following us here for a while, you have noticed that we have covered almost all of that. 

In this article, we discuss the Apesa loan app, which revolutionizes money borrowing through extended repayment periods at incredibly affordable interest rates. If you are wondering how to access and activate it, please read to the end.

Overview of the Apesa Loan App

Developed by APESA Kenya Limited, Apesa Loan App is a trusted loan provider designed specifically for Kenyans. The loan app offers low-interest loans for individuals with good credit scores. 

With Apesa Loan App, users can benefit from same-day approval, and access funds swiftly when they need them the most. This loan app also offers multiple repayment methods, enabling borrowers to choose the most suitable option.

The good news for first-time users of the Apesa Loan app is the KSh120 coupon Apesa offers, which is quite uncommon with other loan apps. 

Please note that the Apesa Loan App caters exclusively to Kenyan citizens. If you live outside of Kenya, it is recommended to explore loan providers. 

Benefits of the Apesa Loan App

Aside from the coupon, there are many more benefits Apesa offers to users. Here is why Kenyans prefer to use Apesa:

Quick loan approval

Loan apps promise to bridge the gap between borrowers and access to loans. By skipping the lengthy paperwork and long queues, you save time. However, some loan apps may take a while to process your loan due to certain due diligence. 

They may ask you to submit documents and take time to prove your creditworthiness. This is where Apesa differs, you can get same-day approval for loan applications, and receive funds promptly when needed.

Flexible repayment

It is always advisable to go for loan apps with flexible repayment plans that will give you enough time to pay off your loan. This will help avoid late repayment penalties, blacklisting, or reductions in loan limits. 

Some may even go as far as reporting you to the CRB. With Apesa, users can choose repayment periods ranging from 91 to 365 days. This time gives you room to plan your finances and resolve your loan conveniently. 

Competitive interest rates

Apesa also offers an appealing annual interest fee of 18%. Compared to other loan apps and banks, this is quite fair. 

No hidden charges

Transparency is key with the Apesa Loan App, as there are no hidden fees or prepayments. Borrowers can rest assured that they are aware of the necessary charges upfront.

Convenient repayment methods

Apesa loans are easy to borrow and repay. The app supports various repayment methods, like bank transfers, online banking, and MPesa. 

Requirements for Getting Apesa Loan App

To access loans Apesa Loans, users must meet the following requirements:

  • Be a Kenyan citizen
  • Be at least 20 years old
  • Have a good credit score


Apesa Loan App determines users’ eligibility based on their creditworthiness and adherence to the specified requirements. Once eligible, users can access a loan limit based on their financial profile.

How to Apply for Apesa Loan

Source: APesa website

Once your eligibility has been confirmed and you meet the requirements specified above, then borrowing from Apesa is as easy as pie. Simply follow the steps below:

  • Download and launch the Apesa Loan App: Search for the loan app on your Google Play Store, download it, and launch it. 
  • Create your account: Sign up by filling in the necessary details asked within the app to set up your account.
  • Loan application: Once you’re done, it’s time to apply for your loan within the app.
  • Select loan amount: Apesa allows you to borrow Ksh 50,000, so choose the desired loan amount within the available range.
  • Choose repayment period: With the option of 91–365 days, choose a repayment period that suits you.
  • Loan approval and disbursement: After approval, the loan amount will be disbursed to your M-Pesa account.


Apesa Loan App offers loans at an attractive interest rate of 18% per year, providing borrowers with a cost-effective borrowing solution.


Borrowing and repaying loans should not be stressful, and this is where Apesa offers a better solution.

It has a quick approval process, flexible repayment options, and transparent terms, it caters to the diverse financial needs of its users.

Whether for emergencies, education expenses, or home renovations, the Apesa Loan App provides a convenient avenue for securing timely financial assistance. 


Full List of Genuine Loan Apps in Kenya

Direct Cash Loan App: How to Access Loan

Mpesa Loan Apps in Kenya

Kindly drop a comment if you found this piece useful. For access to other useful pieces of information, follow us on X or Twitter, @SilicoAfriTech.

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Peremoboere Numa
Peremoboere Numa

Pere is a versatile SEO writer with a Master's degree in English, who is dedicated to creating engaging and impactful content.

She excels in weaving content that not only informs, enlightens and impacts but but also optimize its online presence to rank on major web sites.

Pere brings a unique blend of linguistic proficiency and SEO knowledge, ensuring that each piece she crafts leave a lasting impact.

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