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Best Free USSD Loan Codes in Kenya

By Oluchukwu Ikemefuna

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Banking in Kenya has evolved and more people can now access banking services regardless of their economic status. Free loan codes are now a thing.

Gone are the days when we had to physically visit a bank branch for even the simplest transactions like sending money or opening an account. As time progressed and with technological advancements, this changed. 

Banks began redefining their mode of operation to make their services accessible and flexible to their clientele. This shift appealed to a broader audience and catered to the needs of the younger generation and the working class, who might not have the time to visit physical bank branches regularly. 

It was the time when bank apps became a thing. Bank transactions can be done in a matter of taps. Simply download the app, set it up, and start transacting from wherever you are.

However, amidst this technological revolution, a significant portion of the population remained underserved: the elderly, who may not be tech-savvy, and those without access to smartphones.

Source: Google Play

This is where Unstructured Supplementary Service Data, or USSD codes, come in as a viable alternative. It works by dialing a code associated with the bank you are using and following the prompt till the transaction is completed. 

The good thing is that you can use these USSD codes to apply for loans on your phone if using the loan apps is not an option for you.

These codes provide a convenient way for users to access loans directly from their mobile phones, often without the need for collateral or extensive documentation. 

In this article, we’ll explore some of the best free USSD loan codes available in Kenya, offering financial flexibility to countless individuals nationwide.

Accessing Mobile Loans via Free USSD Codes

In Kenya, a lot of mobile lending apps offer USSD codes as a handy substitute for other ways for customers to obtain loans. These USSD codes are instantly dialable from the keypad of a mobile phone, so even those without smartphones or internet access can utilize them.

The majority of these USSD-capable lending apps work with Safaricom SIM cards, although some—like M-Fanisi—also support Airtel lines.

Furthermore, some loan apps provide an SMS option that lets borrowers request loans via text messages for users who prefer SMS communication or do not have access to USSD menus.

Free Loans USSD Codes in Kenya

Note: Some loan apps may require account registration through the app before accessing a loan via the USSD service.

  1. MCo-opCash

Provider (Lender): Cooperative Bank

USSD Code: *667#

  1. Pesa Pap

Provider (Lender): Family Bank

USSD Code: *325#

  1. KCB Mobi

Provider (Lender): KCB Bank

USSD Code: *522#

  1. KCB Mpesa

Provider (Lender): KCB Bank

USSD Code: *844#

  1. Pesa Pata

Provider (Lender): Paddy Micro Investments

USSD Code: *269#

  1. NCBA Loop

Provider (Lender): NCBA Bank

USSD Code: *654#

  1. Timiza

Provider (Lender): Barclays Banks

USSD Code: *848#

  1. Zenka

Provider (Lender): Zenka Finance

USSD Code: 483101#

  1. Tala

Provider (Lender): InVenture Mobile Limited

SMS Number: 21991

  1. M-Shwari

Provider (Lender): NCBA Bank

USSD Code: *334#

  1. Halal Pesa (Sharia compliant)

Provider (Lender): Gulf African Bank

USSD Code: *334#

  1. Fuliza

Provider (Lender): Safaricom, KCB, NCBA

USSD Code: *234#

  1. Eazzy Loan

Provider (Lender): Equity Bank

USSD Code: *247#

  1. Sotiwa

Provider (Lender): Sotiwa Ltd

USSD Code: 24390#

  1. Zazipay

Provider (Lender): MyCredit

USSD Code: *322#

  1. Pezesha

Provider (Lender): Pezesha Africa Ltd

Send “Pezesha” to 22235

  1. Cash Xpress (TSC employees)

Provider (Lender): Premier Credit

USSD Code: *241#

  1. Kopa Doh

Provider (Lender): Mobile Opulence Ltd

USSD Code: *610#

  1. Pesa ChapChap

Provider (Lender): Faulu Microfinance Bank

USSD Code: *339#

  1. ExtendMoney

Provider (Lender): ExtendMoney Services

USSD Code: *676#

  1. HF Whizz

Provider (Lender): HFC Group

USSD Code: *618#

  1. Bayes Pi

Provider (Lender): Capital Ltd

USSD Code: 87999#

  1. M-Fanisi

Provider (Lender): Maisha Bank

USSD Code: *281#

  1. Kopa Cash (Airtel Money)

Provider (Lender): Jumo Mobile

USSD Code: *222# or *334#

  1. Express (Airtel Money)

Provider (Lender): Ecobank

USSD Code: *222# or *334#

  1. Okoa Sasa (TSC Teachers)

Provider (Lender): Okoa Sasa

USSD Code: *884#

  1. Okoa Mia

Provider (Lender): OkoaMia Ventures

USSD Code: *628#


Free USSD codes for mobile lending apps offer people in Kenya an easy and accessible way to get cash when they need it most.

These lending services, enabled by USSD guarantee that anyone with a basic mobile phone can get immediate financial aid when they need it, as they do not require internet connectivity or smartphone apps.

To prevent getting trapped in a debt cycle, borrowers must use these services sensibly and give prompt repayment first priority. Due to the ease of use that USSD codes provide, mobile loan apps are still a major contributor to the financial inclusion and empowerment of Kenyans all throughout the nation.


What is USSD code no?

Unstructured Supplementary Service Data is a Global System for Mobile Communications (GSM) protocol that is used to send text messages. USSD is similar to Short Message Service (SMS). USSD uses codes made up of the characters that are available on a mobile phone.

What is the use of USSD code in Kenya?

Kenyans regularly utilize USSD codes. Usually, these are simple, brief codes that are easy to remember. USSD codes that can be used to access various services are available in Kenya. Checking airtime balances, bank account balances, and internet service accessibility codes are among the most frequently used USSD codes in Nairobi.

What is the USSD code for Safaricom Kenya?

On your Safaricom phone, open the phone application and enter the Safaricom USSD code *144# then press the call button.

What is the USSD code for Equity bank?

USSD *247# – This is a mobile banking service offered through a short code *247#. It is now available through all Telcos in the country (Equitel, Airtel, Telkom & Safaricom). The USSD solution enables our customers with any mobile device to gain access to financial services regardless of the device make or sophistication.

What is the USSD code for Absa?

It allows you to send cash to anyone by simply dialling *224# from your mobile phone and following some simple prompts. You can access it from any phone, any mobile network, and without needing data. Use it instead of a debit card to withdraw cash from any ATM.

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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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