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Berry Loan App: How to get a Berry Loan

By Oluchukwu Ikemefuna

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According to statistics, over 80% of Kenya’s adult population embraces the convenience of “mobile money” services. This figure highlights the widespread reliance on digital financial solutions in the country.

The Berry Loan app is one of the most convenient platform to access instant loans. Digital loan services have emerged as a vital resource in facilitating financial transactions and access to credit within the country.

In this post, we’ll be reviewing the process of obtaining a Berry Loan, empowering you with the knowledge to make informed financial decisions.

What is Berry Loan?

Berry loan is a quick and easy way to borrow money in Kenya. It’s a shortcut to getting money when you need it in Kenya. It’s an app that you can download on your phone, whether it’s a fancy smartphone or a simpler one.

Once you have the app, you can borrow cash instantly without all the hassle of paperwork or waiting in line at a bank. The cool thing is, the interest rates are pretty low, and you can pay back the loan in a way that suits your budget. Plus, when you borrow money through Berry, it goes straight to your phone’s wallet, so you can use it right away.

Also read: *435# Loan: How to Apply for Letshego Loans

What is Berry Loan App?

The Berry loan app is a mobile application that offers quick and convenient borrowing options in Kenya. It’s designed to provide instant credit to users, whether they have a smartphone or a basic feature phone.

With the Berry app, you can easily apply for a loan directly from your mobile device, without the need for extensive paperwork or waiting in long lines at a bank.

The app typically offers low-interest loans with flexible repayment terms, making it an attractive option for individuals in need of short-term financial assistance. Funds also borrowed through the Berry loan app are usually disbursed directly to the user’s mobile wallet for immediate access and use.

Read also: Request Loan: How to Apply for a Personal Loan in 2024

How to get the Berry Loan app

To get a Berry loan and access quick cash for various needs like paying bills or covering expenses, you can easily follow these straightforward steps:

  • First, head to the Google Play Store or Apple Store on your smartphone. 
  • Once there, search for the Berry loan app among the available applications and download it onto your device.
  • After downloading, open the Berry app and begin the registration process. This typically involves providing some basic information and creating an account.
  • Fill in your personal details accurately, including your full name and identification number, as requested by the app.
  • Once your account is set up, you can proceed to apply for a loan within the app’s interface. 
  • When applying, ensure that you provide any required information or documents promptly and accurately to expedite the process.
  • After submitting your loan application, wait for the approval decision. The Berry app is known for its swift processing times, often providing loan approvals within a matter of minutes.
  • Upon approval, the loan amount will be swiftly deposited directly into your M-Pesa account, ready for immediate use.
  • You can then access the funds and utilise them to address your financial needs, whether it’s paying overdue bills, covering rent, or purchasing essential products.

Read also: Top 10 Loan Apps for Urgent Loans in Kenya

What are the Requirements for Berry Loan?

To qualify for a loan from Berry, there are a few things you’ll need to have in place. 

  • National ID Card:

 You need to have a valid identification card issued by the government of your country.

  • Smartphone:

You should own a mobile phone that can connect to the internet and run applications.

  • Safaricom Phone Number Registered with Mpesa:

You must have a phone number from the Safaricom network and have it linked to your Mpesa account. This is necessary for both receiving the loan amount and repaying it.

  • Not Listed on CRB:

You should not be listed on the Credit Reference Bureau (CRB). This means you haven’t defaulted on previous loans or have any outstanding debts that are recorded in the credit bureau’s database.

Also read: Top 20 Loan Apps in Kenya in 2024

How quickly can you get a loan from Berry – Simple Swift Loans?

Curious about how swiftly you can secure a loan through Berry – Simple Swift Loans? Well, the process is quite rapid. Once you initiate the application process, the system swiftly goes to work, verifying your identity. This typically only takes a matter of minutes.

Once your identity is confirmed, and your application is approved, you can expect the loan amount to be immediately deposited into your M-Pesa account. This transfer is nearly instantaneous, meaning you won’t have to wait long to access the funds you need.

Now, let’s break down the process a bit further. When you decide to apply for a loan with Berry – Simple Swift Loans, you’ll need to provide some basic information about yourself. This could include details such as your name, contact information, and possibly some identification documents for verification purposes.

Once you’ve submitted this information, the system swings into action, running checks to confirm your identity and assess your eligibility for the loan.

During this verification process, the system works diligently to ensure that all provided information is accurate and matches the records on file. Once everything is confirmed and approved, you’re good to go! The loan amount is promptly disbursed to your designated M-Pesa number, ready for you to utilize as needed.

Also read: Hikash Loan: How to Apply

What is the Berry Loan Limit?

In Berry, when you apply for a loan, the system quickly checks your identity to ensure everything is secure. Once verified, it assigns you the smallest amount of money you can borrow.

For new borrowers, like those using Berry Swift Loans for the first time, the minimum loan amount is KES 500. However, if you’re a responsible borrower who regularly borrows and pays back on time, Berry may increase the amount you can borrow in the future.

So, by consistently borrowing and repaying promptly, you could potentially qualify for loans of up to KES 15,000 or more over time. It’s all about building trust and a good track record with Berry’s loan services.

Read also: Tala Loan app: How to Apply for a Loan

How Non-smartphone users can get a Loan from Berry

Getting a loan from Berry without a smartphone and internet access is not possible. 

This means if you’re using a basic phone, commonly known as a “kabambe,” you won’t be able to borrow money from Berry. However, there’s an alternative option available for those without smartphones: Zenka.

To access a loan from Zenka using your basic phone, you can dial a USSD code. USSD stands for Unstructured Supplementary Service Data, and it’s a technology used by mobile networks to communicate with service providers’ systems.

For Zenka, the USSD code you need to dial is *841#. After dialing this code, you’ll receive instructions and prompts on your screen, guiding you through the loan application process step by step.

It’s important to note that this service is exclusive to Safaricom subscribers. Safaricom is one of the leading mobile network operators in Kenya, providing a wide range of services to its subscribers. Therefore, if you’re not using Safaricom as your mobile network provider, you won’t be able to access this loan service through Zenka.

By using the USSD code provided by Zenka, even users with basic feature phones can access financial services and borrow money when needed. This demonstrates how technology can be leveraged to make financial services more inclusive and accessible to a wider range of people, including those who may not have access to smartphones or the internet.

Berry may not be an option for those without smartphones and internet access but Zenka offers an alternative solution through USSD codes, catering to the needs of non-smartphone users, particularly Safaricom subscribers, who require financial assistance.

Read also: Update on NIRSAL Loan: Application Procedure, Requirements and How to Check with BVN

How to pay back the Berry Loan

To pay back your Berry loan, just follow these easy steps:

  • Open Safaricom Menu: 

If you’re using a Safaricom SIM card, you’ll have a menu on your phone. Go ahead and open it up.

  • Select M-Pesa: 

Once you’re in the menu, look for the option labeled “M-Pesa” and select it. This will take you to the M-Pesa menu.

  • Choose Lipa na M-Pesa: 

Within the M-Pesa menu, you’ll see different options. Look for the one that says “Lipa na M-Pesa” and select it. This option is for making payments.

  • Select Pay Bill: 

After choosing Lipa na M-Pesa, you’ll be presented with more options. Look for “Pay Bill” and select it. This is the option you’ll use to pay a bill, including your Berry loan.

  • Enter Business Number: 

You’ll then be prompted to enter a business number. For Berry loans, the business number is 977888. So, type in 977888 and move to the next step.

  • Account Number: 

Now, you’ll need to enter your account number. Since it’s your loan repayment, you’ll use your registered phone number as the account number. This helps identify your payment.

  • Enter Payment Amount: 

Type in the amount of money you want to repay. Make sure it matches the repayment amount you owe for your Berry loan.

  • M-Pesa PIN: 

You’ll need to enter your M-Pesa PIN to confirm the transaction. This is a security measure to ensure that only you can authorize payments from your M-Pesa account.

  • Confirm and Finish: 

Before completing the transaction, take a moment to review all the details. Make sure the business number, account number, and payment amount are correct. Once you’ve confirmed everything is accurate, press OK or Confirm to finalize the payment.

  • Payment Confirmation: 

After completing the payment, you should receive a confirmation message from M-Pesa confirming that your Berry loan repayment was successful. You can also check your M-Pesa transaction history to verify the payment.

What is Berry Loan Interest Rate?

Berry Loans offers a range of interest rates, typically falling between 9% and 16%. These rates are designed to be reasonable and affordable for borrowers.

The specific interest rate you are assigned can be influenced by various factors, including your repayment history with Berry and the overall cost of lending for the company.

When determining the interest rate for a loan, Berry takes into account your past borrowing behavior. If you have a history of timely repayments, you may be eligible for a lower interest rate.

On the other hand, if you have missed payments or defaulted on previous loans, you may be charged a higher interest rate to offset the perceived risk.

In addition to the interest rate, borrowers are responsible for covering any associated fees, such as mobile money transaction costs. For example, if you choose to repay your loan using a service like M-PESA, you will need to pay any charges imposed by the mobile money platform.

It’s important to also note that while Berry strives to keep costs low for borrowers, there may be additional expenses to consider. Standard SMS and data charges from your mobile service provider may apply when communicating with Berry or accessing loan-related information online.

Read also: Women Enterprise Fund in Kenya: How to Apply and Get it

What are Berry’s Loan terms and Conditions?

When you download the Berry app, you’ll be asked to give permission for the app to scan your SMS messages. This helps Berry confirm who you are and assess if you’re eligible for a loan based on your credit history.

Once approved, the loan amount will be sent straight to your M-Pesa account, giving you quick access to funds.

With Berry, you have the freedom to choose your repayment schedule. You can make payments towards paying off the loan principal whenever you want, starting right after you receive the money.

The interest rates for these loans range from 9% to 16%, depending on various factors.

Also, if someone hasn’t paid the processing fee and the main amount by the deadline, Berry gives them an extra 7 days to pay. This helps people who couldn’t pay on time, maybe because of unavoidable reasons. But after those extra 7 days, Berry adds penalties.

Read also: Hikash Loan: How to Apply

Penalties for late payment of Berry Loan

When you borrow 1000 KES, the Berry expects you to repay 1150 KES, which includes a 150 KES service fee on top of the borrowed amount. This service fee is for the berry’s expenses in processing your loan. 

Now, let’s say you struggle to repay the loan on time and you miss the due date,Berry  might charge you an additional fee. 

However, this extra fee won’t exceed the total amount of interest you owe, that is you won’t be hit with a penalty that’s more expensive than what you already owe in interest, plus possibly a one-time extension fee. 

So, it’s essential to pay on time to avoid extra charges, but if you’re delayed, the penalty won’t break the bank.

Berry Loan Customer Care Service

You can ask for help by using the Berry app, sending an email to support@berry.ke, or contacting Berry customer care number. They’ll be swift to assist you and will be happy to do so.


What is Berry Loan?

Berry Loan is a mobile application-based service in Kenya, offering quick access to cash loans without extensive paperwork.

What is the Berry Loan interest rate?

Berry offers competitive interest rates ranging from 9% to 16%, depending on factors like repayment history.

How quickly can I get a loan from Berry?

Berry’s loan approval process is fast. Once you apply and verify your identity, funds are deposited into your M-Pesa account almost instantly upon approval.


Berry Loan App stands as a beacon of financial empowerment, offering a lifeline to individuals in need of immediate funds. 

By following the steps outlined in this post, you can navigate the loan application process with confidence and ease.


  • berry.ke – About Berry
  • joon.co.ke – Berry Loan App | Fastest Way to Get Loans to Your M-Pesa


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Blessing Ukibe
Blessing Ukibe

Medical Student at Nnamdi Azikiwe University|Tech content expert at Silicon Africa Technology|Lover of fun books and fun fun ☺️

Articles: 148

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