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Haraka Loan: how to Apply for it

By Oluchukwu Ikemefuna

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Perhaps you are wondering why Haraka loan online application is considered one of the best apps for emergency loans in Kenya, then this article will provide you with an answer.

There will come a point in your financial life when you’ll need a quick fix and assistance, but no help might come. In such a case, you should consider applying for a fast online loan.

All smartphone users, even the underprivileged, isolated, and unbanked, can use mobile loan apps, in contrast to banks that have more stringent lending policies.

Haraka loan is a mobile loan that allows you to borrow money to solve small issues, a loan from Haraka can be quite beneficial. To obtain your first loan allocation, carefully adhere to the application guide for Haraka loans. 

In this article, we will examine how to apply for Haraka loan, haraka loan ussd and haraka loan online application. Let’s begin.

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What is Haraka loan?

It’s an Android loan app owned by GetBucks, a South African lender.

In addition to South Africa and Kenya, individuals in Uganda, Swaziland, Zimbabwe, and Tanzania can apply for loans using the Haraka loan online application.

Since its founding in 2011, the business has assisted millions of customers from all over the world in meeting their financial demands. 

Your money is safe and secure because the MFSA and NCR have approved the Haraka loan ussd code services. Getbucks has prioritised customer needs in the development and upkeep of its systems. 

The main objective of Haraka loan online application is to give numerous individuals from all around the world access to inexpensive turnaround capital. 

The Haraka loan online application, however, is a low range application that lends between Ksh 500 and Ksh5,000, in contrast to other lending apps in Kenya that have a greater loan limit of Ksh10,000–Ksh50,000. 

Even though this loan limit might not appear high, once you apply, your loan is practically guaranteed.

Read also – Zenka Loan App: How to get Mobile Loan in 5 Minutes

How Does the Haraka Loan App Work?

The Haraka loan online application makes use of the different data on your device to determine your eligibility for a loan amount based on your automatically generated credit score.

The software specifically searches your phone’s contacts list, installed apps, MPESA SMS transaction messages, location, Facebook activity, phone model, and other data.

When you install the Haraka app and click “agree,” this information is automatically collected.

After that, they will create your credit profile, which they will use to periodically assess your creditworthiness and adjust your credit limit.

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How to Apply for Haraka Loan

Download the Haraka loan online application from the Google Play Store in order to apply for a loan. 

You must create an account with your Facebook account after downloading the programme.

Filling out your information is the next stage, and it includes:

1. Complete Names

2. The Number on the National ID

3. Electronic mail address

4. Wallet Number, also known as M-Pesa Number

5. Birthdate (DOB)

6. Make a loan application

You must be between the ages of 18 and 60 to be eligible for the loan. Older or younger applications will not be accepted.

The Haraka loan online application will display your loan limit—the maximum amount you can borrow—as soon as your information is complete.

The loan must be returned within a maximum of thirty days. Your M-PESA account gets credited with the loan amount and repayment period that you have selected.

It is important to remember that the loan amount carries an interest rate of 23%. This indicates that a Ksh 1,000 loan will have a Ksh 230 interest rate and a Ksh 1,230 payback due in one month.

In situations where you are severely short of money, the ease and convenience of obtaining a loan may make up for the high interest rates.

Haraka Loan Application: Get a loan disbursed directly to your MPESA number in 4 simple steps

Step 1: Download the most recent Haraka loan app version.

You begin your online application for a Haraka loan from within the app, as previously stated.

Therefore, the first thing you need to do to apply for a Haraka loan is to fill out a free Haraka loan app download.

This implies that if you don’t have a smartphone, you could have to apply using a friend’s phone (you’ll need to transfer your line to his/her phone).

So, how can the Haraka Loan App be downloaded?

  • Visit the iPhone app store or Google Play store from your phone.
  • To install the most recent version of the Haraka loan app, visit here. Search for the Haraka loan app by just typing its name. Then, select the install tab.
  • Wait a short while for the app to download. It won’t take long to complete because the programme is small—less than 5 megabytes.
  • As soon as the installation is complete, you will notice the Open button turning green.

Congratulations! You have just downloaded the Haraka loan app successfully. Moving further, let’s create an account (register)

Step 2: Create your Haraka loan app account (you have to log into your Facebook account)

NOTE: In order to complete this step, you must be logged into your regular Facebook account. Simply launch the Facebook app on your mobile device and log in.

If you don’t already have an account on Facebook, you can establish one with the help of this article (note that you must first download the Facebook app on your phone).

Have you visited Facebook yet? Okay, then just follow these instructions to set up your Haraka loan account.

  • Navigate to your phone’s installed apps area and select the Haraka loan app open tab (if you haven’t already closed the app, you may simply hit Open).
  • The programme will then want you to provide it access to further data (a notification titled “Allow Opesa access to Photos, Media, and Files on your device?” will appear). Press Accept.
  • This is significant because Haraka will use these facts to calculate the initial loan amount that they will offer you.

That’s it (please do not close the app just yet). Your first Haraka loan is now available to you. This takes us to the third and final step, the actual Haraka loan application, for which you have been waiting.

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Step 3: Apply for your first Haraka loan

You apply for a loan through this stage of the Haraka loan process (I hope you haven’t closed the app).

Take these actions.

  • Click Apply Now while you’re still in the Haraka loan app on your phone.
  • You may click Apply to get coupons, by the way! To find out if you qualify for one, click (Get it today). When you apply to lower the cost of your loan, you will write down the coupon code and enter it in the designated place.
  • You are asked to log in or register now on the Loan now app. Since this is your first time, click Register now.
  • After receiving a warm greeting from Opesa, the company that powers the Haraka loan app, you will see the terms of service. Go through and click
  • Click Allow access on the subsequent Karibu Opesa window, and then click Allow again on everything (SMS, location, calendar, etc.).
  • Next, type your cell phone number—omitting the initial zero—in the field labelled 7xx xxx xxx, and then click “Next step.”
  • An SMS verification code has been provided to you; enter it if it doesn’t appear automatically in the designated field. Click Submit now.
  • On the following screen, create a strong 4-digit password. Enter it once in the Password field, one more in the Confirm Password field below, and click.
  • Make a profile for yourself. Type your first, middle, and last names, followed by your date of birth, email address, and national ID number. After that, type the names of your two emergency contacts (include their full legal names, such as Alex Kimutai Otieno).
  • Additionally, fill in the designated sections with your expected monthly revenue and payday. In the final section, you select Yes if you still owe money on your debts or No if not.

Step 4 complete loan registration 

  • Once you’ve entered all the information correctly, click Next step to view the terms and the amount of your first loan.
  • If you agree to the terms, click Apply now. I have been granted Kshs. 2000 to repay at Shs 336 service in 14 days, which is equivalent to an interest rate of roughly 8% (336/2000 x 100).
  • After a short while, the loan appears in your Mobile Wallet (MPESA), allowing you to gladly handle your urgent financial need.Application for a Haraka loan 

TIP: If you’re already registered, skip the registration process and click Login. You should search for Opesa on your phone instead of Haraka because it is the app’s name.

Haraka loan ussd code

 The Haraka loan USSD code service is *844#. By dialing this code on your Safaricom line, you can easily access Haraka loan services directly from your mobile phone. 

This convenient method allows you to apply for a loan swiftly and securely, with the option to follow prompts and provide necessary information seamlessly for a hassle-free application process.

How to Repay Haraka loan

You must always use M-PESA on your phone to repay any Haraka loan. To be successful, you must have funds in your M-PESA.

To use M-PESA to repay your Haraka loan, take these steps:

1. Launch the Mpesa app on your phone.

2. Choose the “Lipa na Mpesa” option from the menu.

3. Click Pay Bill.

4. Type 817910 into the Pay Bill field.

5. Type the account number (insert phone number here).

6. Enter Amount (Type the total amount you wish to pay back). it may be all of the money borrowed or only a portion of it.)

7. Enter the Mpesa pin.

8. To approve the transaction, press Ok.

Haraka loan Helpdesk contacts

Phone: +254 (0) 202 434 019
Email: kenyainfo@getbucks.com
Social media contacts
LinkedIn: linkedin
Twitter: @GetBucks1
Facebook: @GetBucksKenyaOfficial 

Kitengela branch
Third Floor, Newton House, Namanga Road, Kitengela Kenya
Phone: 079 020 4298 

Bungoma branch
Second Floor, Ebenezah Building, Cathedral Road, Bungoma, Kenya
Phone: 079 020 4294

Kisumu branch
Ground Floor, Central Square Building, Oginga Odinga Street, Kisumu
Phone: 071 975 2166

Kisumu branch
First Floor, Minoki Building, Oginga Odinga Street, Kisumu
Phone: 079 020 4292

Mombasa branch
Shop No. 4, Ground Floor, Kaderbhoy Building, Nkurumah Road, Mombasa
Phone: 079 020 4293

Eldoret branch (Getbucks Branded)
First Floor, Zion Mall, Uganda Road, Eldoret
Phone: 079 020 4291

Nakuru branch
Ground Floor, Trade World Building, OPP prestige Plaza, Nakuru
Phone: 079 020 4300

Nacico branch
First Floor, Nacico Plaza, Landhes Road, Nairobi
Phone: 079 020 4296

Avocado branch 

First Floor, Avocado Towers, Muthithi Road, Museum Hill, Nairobi 

Phone: 079 020 4297 

Haraka Loan App Reviews and Rating

As of right now, the app has received over 500,000 downloads and a respectable 4.1+ rating on the Google Play store.

 A rating of 4+ is typically considered to be more than satisfactory, indicating that the majority of borrowers have had fantastic experiences with the application.

Haraka loan app has a rating of 3.4 stars out of 5 on Facebook. Once more, this is pretty admirable. They also have roughly 70000 followers.

Is my Data Safe on the app?

Getbucks Kenya takes precautions to protect your privacy and their systems are safe.

They don’t share or divulge your personal information to outside parties unless you authorize them to do so or as required by Kenyan law.

How can I increase my Loan Limit?

Applying for larger loans is possible, but make sure you always meet the payback date.

If you use Mpesa more frequently—that is, if you receive or send more money from your MPESA wallet—you can also be eligible for a larger loan.

Regular borrowing from the Haraka loan app can also raise your credit score and possibly result in a larger loan limit.

Read also – Loan Calculator and How to Use it

How to troubleshoot common issues on app

Q: The Haraka Loan App won’t let me log in.

Generally speaking, this is a connectivity issue. Make sure you have bundles with your existing internet connection, then check it again.

Incorrect location settings on your phone or multiple installations of the Haraka loan app (remove all but the first installation) may also be the reason.

If the issue persists, get in touch with the Haraka customer support staff at Haraka@getbucks.com.

Q: The OTP/Verification code is not sent by the Haraka Loan App.

There is a technical problem if the system is unable to generate the verification code or OTP.

Please notify Haraka support once again at Haraka@getbucks.com.

Q: Two hours after being approved, I still haven’t gotten my loan.

This might be the result of the lending system having trouble finding certain details from your Haraka loan application, although this normally gets resolved over time.

If the delay persists, you should contact Haraka at Haraka@getbucks.com.


How do I apply for a Haraka loan using the USSD code?

To apply for a loan using the Haraka loan USSD code, simply dial *844# from your Safaricom line. 

What are the eligibility criteria?

The eligibility criteria for a Haraka loan typically include being a Safaricom subscriber, having a registered M-Pesa account, and meeting certain age and identification requirements. 

How quickly can I receive funds after applying?

Upon successful approval of your loan application, the funds are usually disbursed to your M-Pesa account within minutes, providing you with immediate access to the amount for your financial needs.


In conclusion, Haraka Loans offer a convenient and accessible solution for individuals in need of quick financial assistance. With the haraka loan USSD code *844#, applying for a loan is as easy as dialing a number from your Safaricom line. 

Additionally, the option for online application further enhances accessibility, allowing borrowers to apply for loans from the comfort of their homes. 

Whether it’s covering emergency expenses or seizing opportunities, Haraka Loans ussd code provide swift access to funds, empowering individuals to navigate financial challenges with ease and flexibility. Take advantage today for fast and hassle-free borrowing.

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Oluwatobi Olowe
Oluwatobi Olowe

Tobi Olowe has over 3 years of experience as a content writer specializing in Tech discoveries, site optimization, building content that rank well and boosting overall site performance.

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