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Kesmall Loan: How to Apply and other Important Details

By Oluchukwu Ikemefuna

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KesMall Loan App, operated by KESMALL PRIVATE LIMITED, is revolutionizing personal lending in Kenya. This mobile lending platform stands out for its convenience and affordability, catering to a wide range of financial needs of Kenyan borrowers. 

 In this article, we’ll delve into the details of Kesmall Loans, including how to apply, important loan terms, and how to contact Kesmall Loan customer care for support. With Kesmall Loans, users can navigate financial challenges with confidence and convenience, ensuring greater financial stability and peace of mind.

Read also – Vooma Loan and Vooma Loan Limit

Overview of KesMall Loan App

The goal of the KesMall Loan App is to put financial solutions at your fingertips. It provides a smooth borrowing experience from application to repayment because of its user-friendly features.

Key Features;

  • Loan Range: Loans ranging from Ksh 2,000 to Ksh 100,000 are available to borrowers, meeting a range of financial needs.
  • Instant Disbursement: The borrower’s M-PESA account receives the funds for approved loans instantly, providing them with instant access to funds.
  • Fees and Interest Rates: The loans include an interest rate that can go as high as 30% APR. In addition, the lender assesses a service charge, which can be anywhere between 1% and 8%.

Eligibility criteria of KesMall Loan Kenya

There are requirements that applicants must fulfil in order to be considered for a KesMall Loan in Kenya. These specifications are meant to protect the integrity of the lending process and guarantee that borrowers are able to repay the loan. 

Although specifics can differ and should be verified with KesMall directly, the general requirements for eligibility often consist of: 

  • Kenyan Resident: Because the service is specifically designed for the Kenyan market, applicants must be citizens of Kenya.
  • Age Requirement: In order to sign a financial agreement, borrowers must normally be of legal age, which is generally 18 years or older.
  • Active M-PESA Account: Having an active M-PESA account is essential because KesMall loans are paid straight into the borrower’s M-PESA account.
  • Smartphone with Internet Access: Downloading the KesMall app and administering the loan require having a smartphone with internet access, as the company runs on a mobile app.
  • Valid identity: To complete the app’s verification process, you must present a national ID or any other acceptable form of identity.
  • Creditworthiness: In order to establish the applicant’s eligibility and loan limit, their credit history and score may be evaluated. Analyzing previous loan repayments and general financial behaviour may be necessary for this.
  • Download the app and sign up: Prospective borrowers need to download the KesMall app and finish the registration process, which usually entails creating an account and entering personal information.

Usually, the first step in the KesMall loan application procedure is meeting these requirements. Potential borrowers should verify the most recent conditions and requirements via the KesMall loan app or customer support, as these are subject to change. Comprehending and fulfilling these prerequisites might contribute to a seamless and fruitful loan application procedure.

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

Step-by-step instructions for applying for a KesMall Loan

In Kenya, obtaining a KesMall Loan is a simple procedure that may be completed totally using a smartphone. This is a comprehensive guide to assist you with the application process:

Downloading the App

  • Launch the Google Play Store: Go to the Google Play Store on your Android mobile.
  • To ensure a seamless download experience, make sure your internet connection is steady.
  • Use the Play Store’s top search bar to look for KesMall.
  • Enter “KesMall Loan app” to start the search.
  • Install and download:
  • Find the official KesMall Loan App in the search results and click on it.
  • To download and install the app on your smartphone, tap the “Install” button.

Account Creation

  • Get the KesMall loan app open.
  • Once installed, launch the KesMall application.
  • Sign up:
  • To establish a new account, adhere to the in-app instructions.
  • Personal information like your name, ID number, and contact information will be needed from you.
  • Accept the terms and conditions that KesMall has provided.

Applying for a Loan

  • Finish Up Your Profile:Make sure your profile is current and completely filled out.
  • For security reasons, there can be more verification procedures involved.
  • Application for Loan: Open the app and navigate to the loan application section.
  • Complete the necessary fields with the loan amount and purpose.
  • Your loan limit will be established by KesMall based on an evaluation of your creditworthiness and other variables.

Loan Approval and Disbursement

  • Send in Your Application: After checking for accuracy, submit your application.
  • KesMall will handle the processing of your application and run a credit report.
  • Receive Funds: Your M-PESA account will receive the loan amount directly if it is approved.
  • A notification verifying the transaction will be sent to you.

Managing and Repaying the Loan

  • repayment: Become acquainted with the terms and timing of payback. Usually, payments can be made via the app.
  • Customer Support: KesMall’s customer support can be contacted using the information listed in the app if you have any queries or concerns.

You may easily apply for and manage a loan from KesMall in Kenya by following these steps, which will guarantee that you have access to money when you need it most. Recall to borrow sensibly and only as much as you can afford to pay back the loan.

Read also – Hustler Fund Loan and How to Apply

Advantages of KesMall loan

KesMall loan is a desirable alternative for those who require rapid access to capital because it provides a number of benefits over traditional lenders. The following are some of KesMall’s main benefits:

1. 100% online process & 24×7 access to loans

The fact that KesMall provides a fully online loan application process is one of its key features. Clients can use their smartphone to apply for a loan at any time, from any location. This implies that getting a loan doesn’t require going to a physical branch or standing in queue.

2. High initial loan amount

Loan amounts ranging from Kes. 2,000 to Kes. 100,000 are available from KesMall. Because of this, it’s a fantastic choice for those who require a larger sum of money than what other online lenders often offer.

3. Long loan tenure

Loan terms offered by KesMall range from 91 days to 365 days. Customers can now select a payback period that best suits their needs, thanks to this flexibility.

Product features of kesmall loan

KesMall loan is a wonderful choice for those looking for a quick and simple loan application process because of the various product features it offers. The following are some of KesMall’s salient features:

1. Loan Amount

Loan amounts ranging from Kes. 2,000 to Kes. 100,000 are available from KesMall. Customers can therefore borrow as much money as necessary to pay for their expenses.

2. Duration of Loan

Loan terms offered by KesMall range from 91 days to 365 days. Customers can select a payback time based on what suits them most, according to this.

3. APR

KesMall loans have an annual percentage rate (APR) of up to 30%. When compared to other lenders in the market, this rate is favourable.

4. Charge for Services

For loans, KesMall levies a service fee ranging from 1% to 8%. Before the loan amount is given to the customer, this fee is subtracted.

Read also – Opesa Loan: How to Access it

Interest Rates and Duration of KesMall Loan

1. Loan Range

  • Amount: KesMall offers loans with a Ksh 2,000 minimum and a Ksh 100,000 maximum. This wide range meets a variety of borrowing needs, ranging from smaller emergency funds to larger amounts for significant costs.
  • Instant Disbursement: Upon loan approval, monies are transferred right away to the borrower’s M-PESA account, guaranteeing prompt access to money.

2. Interest Rates

  • Annual Percentage Rate (APR): The interest rate on KesMall loans can reach 30%. The cost of the loan, including interest and any other costs, is included in this annualised rate.
  • Service cost: KesMall levies a service cost, which can range from 1% to 8%, in addition to the interest rate. Usually, the loan amount and the borrower’s credit profile are used to determine this cost.

3. Loan Duration

  • Repayment Period: KesMall loans have different payback terms. The length of the payback period is specified in the loan agreement, which borrowers should review. Usually, the terms are made to be flexible enough to accommodate various financial circumstances.

4. Understanding the Costs

  • Total Repayment Amount: It’s critical for borrowers to figure out how much money they will owe in total, taking interest and service charges into account. This aids in budgeting and guarantees that the loan is reasonable.
  • Example for clarity: For example, if you were to borrow Ksh 10,000 with a 30% annual percentage rate (APR) and a 5% service charge, the annual interest amount would be Ksh 3,000, and the service charge would be Ksh 500. The length of the loan, however, determines the actual amount due.

5. Key Considerations

  • Borrow Within Your Means: Prior to taking out a loan, you should always determine your ability to repay it.
  • Examine the fine print. Examine all the terms and circumstances, such as the interest rate, fees, and payback schedule, before taking out a loan.
  • Early Payback: Verify any rewards or penalties associated with early repayment.

Repaying Your KesMall Loan

  • Flexible Repayment Duration: KesMall loans provide you freedom in how you manage your money, with a repayment time that can be anywhere from 91 to 365 days.
  • In-app repayment: When loan payback is due, borrowers can easily make payments from within the app.

Read also – Loan Calculator and How to Use it

Contacting KesMall Loan customer care number 

  • Email Support: Currently, KesMall loan customer care number is not available at the moment but For assistance, borrowers can reach out via email at shaikhkhwaja199@gmail.com.
  • Or by visiting their office located at Harambee Estate House H-14 Laibon Court.


How do I apply?

To apply for a Kesmall Loan, download the Kems All Loan app from the Google Play Store, register an account, and follow the prompts to complete the loan application process within the app.

What documents do I need to provide to apply?

Typically, you’ll need to provide basic personal information such as your name, phone number, and identification details.

How long does it take to receive funds after applying for a Kesmall Loan?

Upon approval of your Kesmall Loan application, the funds are usually disbursed directly to your mobile money account within minutes, providing you with instant access to the loan amount.

What factors determine my Kesmall loan limit?

Your Kesmall Loan limit is determined based on factors such as your creditworthiness, repayment behavior, income level, and other proprietary algorithms used by Kesmalll Loan to assess risk.

Can I increase my Kesmall loan limit over time?

Yes, by demonstrating responsible borrowing behavior and timely repayment of Kesmall Loans, you may become eligible for higher loan limits in the future.

Are there any fees associated with Kesmall Loans?

Kesmall Loan may charge nominal fees for loan processing and servicing. These fees are typically disclosed upfront, and there are no hidden charges or penalties.

Can I use Kesmall Loans for any purpose?

Yes, Kesmall Loans can be used for various purposes, including covering emergency expenses, paying bills, financing small purchases, or investing in opportunities that require immediate funding.


KesMall loan offers Kenyan nationals an easy and safe way to get loans. With a fully online application process and round-the-clock loan availability, clients can apply for loans via smartphones from any location at any time.

For those who require larger loans with flexible payback terms, KesMall is a fantastic choice because of its high initial loan amount and long loan tenure.

Before the loan money is given to the customer, the app deducts a service fee and a competitive annual percentage rate.

The loan application process is quick and easy to use, taking only a few minutes to finish. For those seeking fast and simple access to, KesMall is a reliable choice due to its dedication to protecting consumers’ personal data.

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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.

Articles: 151

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