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Haraka Loan USSD Code in Kenya

By Oluchukwu Ikemefuna

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Unexpected expenses might occur at any time. However, in Kenya, you will not have to wait in a long line or fill out a slew of paperwork to obtain an instant loan. Haraka Loan offers a simple solution: you can access funds via your phone using a USSD code.

USSD (Unstructured Supplementary Service Data) is just a menu that may be accessed by dialing a certain number from your phone. 

You can use Haraka Loan’s USSD code to apply for a loan, check your loan status, and even repay your loan from your mobile device, eliminating the need to visit a bank branch or go through cumbersome application processes.

In this article, we will look closely at how the Haraka Loan USSD code in Kenya works. We will discuss the benefits of using this service, how to apply for a loan, and some crucial factors to consider before borrowing money.

So, if you’re having minor financial trouble, stay reading to see how Haraka Loan’s USSD code can help you get back on track.

What is the Haraka Loan USSD Code?

Haraka Loan

Haraka Loan Kenya, operated by Getbucks, is a popular mobile money lending platform that provides quick and easy loans to borrowers over M-pesa

The Haraka Loan USSD code is *841#. This USSD code initiates Haraka’s loan application process. When you dial this code, you will be directed to a menu-driven system that will assist you in exploring loan possibilities and managing your account (if you are a current borrower).

Understanding Haraka’s USSD code’s capabilities and restrictions will allow you to progress through your loan application procedure more strategically. It enables you to make sensible decisions and choose the technique that is most appropriate for your needs.

Keep in mind that the USSD code is merely a quick way in; a website or mobile app may provide a more comprehensive loan management experience.

Read Also – Senti Loan App: How to Get a Senti Loan

How Does the Haraka Loan USSD Code in Kenya Work?

The Haraka Loan USSD Code is more than just a quick access point – understanding how it works empowers you to make informed decisions about your loan needs.

Upon dialing *841#, a menu materializes on your phone’s screen, presenting a roadmap for your loan journey. Here’s what you might encounter:

1. Loan Application

Selecting this option allows aspiring borrowers to begin the application process. The USSD system will transform into a questionnaire, requesting information such as your preferred loan amount, repayment duration, and possibly some basic personal information. The system will determine your eligibility using pre-established criteria.

2. Loan Status Check 

Existing borrowers can use this option to check on the status of their loan application. The days of calling customer service are over; with a few button presses, you may now obtain real-time insights.

3. Repayment History

Keeping track of your loan installments is essential. This option on the USSD menu provides you with a record of previous payments, allowing you to stay on top of your financial obligations.

4. Loan Product and Rates

If you’re still acquiring information, this choice can serve as a knowledge vault. The USSD interface provides simple access to information about Haraka’s loan offers, such as interest rates and product specifics.

Requirements for Applying for a Haraka Loan in Kenya 

Haraka Loan USSD Code

To obtain a Haraka loan in Kenya, the following is often required:

  1. Kenyan Citizenship: The simplest way to obtain a Haraka loan is for Kenyan residents.
  1. Valid Identity: A nationwide identity card (ID) or passport may be required.
  1. Mobile Phone: An operational cell phone with an active SIM card is required because Haraka loans are often processed and repaid using mobile money platforms like M-Pesa.
  1. Good Credit History: While certain lenders do not always demand credit history, having a good score will increase your chances of approval and also result in better loan terms.
  1. Regular Source of Income: Many creditors require documentation of typical earnings, which can include pay stubs for employees or business documents for self-employed persons.
  1. Minimum Age: To apply for a Haraka loan, you must be at least 18 years old.

Potential borrowers should verify the latest requirements and updates via the Haraka app or customer service, as these criteria are subject to change. Meeting these qualifying requirements is a critical step in successfully applying for a loan from Haraka in Kenya.

Also Read – Best Loan Apps Without CRB in Kenya

How to Apply for a Haraka Loan 

You can apply for a Haraka loan through the app or USSD. Let’s go over the methods.

Applying for a Haraka Loan Through the App

1: Download the App

  • Open the Google Play Store on your Android device.
  • Type “Haraka Loan App” into the search field and press Enter.
  • Locate and tap the Haraka app from the search results.
  • To download and install the app on your smartphone, click the “Install” option.
  • Make sure you have a consistent internet connection for a smooth download.

2: The Registration Process

  • Launch the Haraka App. To launch the Haraka app after installation, tap on its icon.
  • You’ll be prompted to create an account.
  • You can register with your Facebook account, which speeds up the process by leveraging your existing Facebook profile information.
  • Alternatively, you may sign up with your cell phone number. In this instance, you may be required to validate the number with an SMS code.
  • Loans are disbursed using M-PESA, so make sure you have an active M-PESA account linked to your mobile phone.
  • To ensure smooth transactions, the information you submit during registration should match that of your M-PESA account.

3: Profile Setup

  • Add the necessary information to finish the profile setup. This could include personal information, contacts, and financial records.
  • Haraka can analyze your creditworthiness based on the information you provide. This may necessitate an assessment of your M-PESA transaction history and other financial habits. 
  • The loan restriction and terms can be determined by this assessment.

Applying for a Haraka Loan Through USSD

If you don’t have a smartphone or access to the internet, you can still apply for Haraka loans by calling the USSD number and following the procedures.

  1. Dial *841# from your cell phone.
  2. Proceed with the prompts to select the loan amount that you require.
  3. Provide any personal or financial information requested as directed.
  4. Carefully read all of the terms and conditions.
  5. Confirm your application.

Please note that this service is only available to Safaricom subscribers.

After submitting your application, you will receive a message indicating whether your loan application was granted or not. If it was authorized, the funds would be transferred to your mobile money account or bank account linked to your phone number.

Haraka Loan Limit and Interest Rate 

Unlike other loan apps in Kenya, which have a greater loan limit of Ksh10,000–Ksh50,000, the Haraka lending application has a low loan range of Ksh500–Ksh5,000. 

While this lending limit may appear low, once you apply, your loan is almost guaranteed. It’s worth noting that the loan has a 23% interest rate.

This indicates that a Ksh1,000 loan will accrue Ksh230 in interest in one month, with a repayment of Ksh1,230.

The interest rates may be exorbitant, but the simplicity and accessibility of obtaining the loan may be worthwhile when you are in dire financial straits.

Read Also – Fair Cash Loan: How to Access It

How to Repay Haraka Loan Using USSD

There are two methods to repay your loan:

You can repay using Mpesa, with Haraka pay bill number 817910 and your phone number as your M-pesa account number. Follow these steps:

  1. Navigate to your Mpesa menu
  2. Choose Lipa na Mpesa.
  3. Select “PayBill”
  4. Enter 817910 as the business number.
  5. Enter your phone number as the Account Number (the one you registered with Haraka).
  6. Enter the amount that you wish to return.
  7. Enter your Mpesa pin and press OK.
  8. Mpesa will send you a transaction confirmation message.

Alternatively, you can pay your Haraka loan using the instructions provided below.

  1. To check your current balance, dial *841#.
  2. Enter your 4-digit PIN and then select [Repay] from the menu.
  3. Choose [Repay full amount] and follow the payment link.

Benefits of Using the Haraka Loan USSD Code

Dialing the Haraka loan USSD code gives you the following advantages:

  1. Convenience: A loan can be secured via USSD codes without the need for an internet connection or a phone, making it available to a wider range of clients.
  1. Speed: The loan application process via USSD is often quite short, allowing consumers to receive funds quickly, sometimes within minutes.
  1. Accessibility: USSD codes can be accessed by any sort of cell phone, even simple feature phones, ensuring that all customers, even those who do not own smartphones, are included.
  1. No paperwork: Unlike traditional loan applications, which can involve a large amount of paperwork, applying for a loan via USSD code typically requires very little documentation and simplifies the process for clients.
  1. 24/7 availability: Loans are available by USSD at all times of the day, allowing consumers to apply even during non-banking hours.
  1. Security: Since USSD is normally encrypted and requires PIN authentication, customer financial transactions are safer.
  1. Adaptability: Most of the time, customers can choose loan amounts and repayment durations that are appropriate for their needs, giving them more flexibility in managing their finances.

Overall, using the Haraka loan USSD code provides consumers with a convenient, rapid, and accessible means to obtain short-term financing whenever they need it.

Also Read – Watu Credit Loan App: How to Apply 

Tips for Responsible Borrowing with Haraka Loan USSD Code

The ease of obtaining the Haraka Loan USSD code to gain access to rapid cash comes with the responsibility to borrow correctly and no longer be under financial hardship. Here are some points to remember:

  1. Take only what you need and you may be able to repay it.
  1. Before you receive your loan, be sure you understand its terms and conditions.
  1. Paying on time is critical for maintaining a solid credit history.
  1. Do not take out multiple loans at once, as this may lead to overindebtedness.
  1. If it becomes difficult to repay your debt, get an economic recommendation.

Haraka Loan Customer Support Channel 

You can still reach the support team using the following contacts:

Email Support

If you have any questions or need assistance, please email kenyaharaka@getbucks.com. This is the better option for lengthy queries or when you want to keep a written record of your conversation.

Phone Support

Contact the support team directly at 0770637594. This option is useful for receiving immediate assistance or spoken clarification on a variety of issues.

Social Media

Contact them on their Facebook page, fb. me/getbuckskenya2. Social networking channels are a rapid way to receive responses, especially for general inquiries.

Final Thoughts

Haraka loan USSD code in Kenya is a quick fix for your instant cash needs. You can easily obtain Haraka mortgage services by using a few faucets on your phone. 

This USSD code simplifies the lending process while also providing an excellent customer experience in Kenya. Haraka mortgage is available to provide immediate financial assistance in the event of an emergency or unexpected need. 

So, the next time you’re stuck between a rock and a hard place, virtually dial the Haraka loan USSD code to obtain the assistance you need right away.

Frequently Asked Questions

What is Haraka Loan’s USSD code?

Haraka Loan’s USSD code is *841#. Enter this code into your phone to access Haraka’s loan services.

Can I apply for a loan using the USSD code?

Yes, dialing *841# will most likely initiate the loan application procedure. You will most likely be directed to a menu where you may register, apply for a loan, and check the status of your existing loan.

What information should I have when applying for a Haraka Loan through USSD?

When applying for a USSD loan, you may be asked for basic information such as your phone number, ID number, and even Mpesa data.

Do I need to pay anything if I use the Haraka Loan USSD code?

Although using the USSD code is free, applying for or getting the loan may incur charges. Make sure to review all of the fees before submitting your application.

How long will it take to receive my loan after applying via USSD?

The processing period for loans varies based on Haraka’s verification process. The USSD menu may indicate an estimated time for a decision.

Is it safe to apply for a loan through the USSD?

Using the USSD code is generally safe. However, exercise caution while inputting any personal or financial information. Make sure you’re working with a real Haraka USSD code.


  • joon.co.ke – Haraka Loan | Apply For Loans Sent to Mpesa | Anytime, Anywhere
  • www.kenyans.co.ke – Haraka Loan: How to Apply and Repay Mobile Loans in Kenya


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Onyinyechi Ikemefuna
Onyinyechi Ikemefuna

Ikemefuna Onyinyechi Patience, a skilled Content Writer hailing from Anambra State Nigeria, holds a Higher National Degree in microbiology from Federal Polytechnic Oko, Anambra. Armed with robust research and SEO expertise, she excels in crafting articles spanning technology, finance, healthcare, education, and lifestyle. Her work stands out for its ability to authentically inspire and engage while inciting action. Beyond her writing prowess, Ikemefuna finds joy in reading, exploring movies, and delving into continuous research, contributing to her growth as a proficient writer.

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