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Letshego Loan: How to Apply Online

By Oluchukwu Ikemefuna

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If you regularly need cash injections between paychecks, or you are pondering where you can get quick funds before your next payday, Letshego can be the ideal option for you. 

Letshego official logo
Source: Letshego Official Website

Letshego is a well-known loan service available in numerous African countries, earning it a reputation as a trusted brand during financial challenges. 

Letshego operates by providing salaried employees with quick cash injections while they await their salaries. This process involves coordination with companies. 

Consequently, you can access Letshego loans only if you receive a monthly salary and your organization is registered with Letshego. Otherwise, you may need to explore alternative loan apps.

Before you apply for loans from any financial institution, you need to familiarise yourself with several things. For instance, the requirements, application procedures, interest rates, and repayment steps. 

In this blog post, we will cover all you need to know about applying for loans in Kenya and Nigeria. 

About Letshego loan 

Letshego Holdings Limited is a company that helps people across Africa access financial services easily. They’ve been doing this for more than 25 years, starting in Botswana in 1998. Now, they’re in 11 countries across the continent. 

Their goal is simple: to make financial solutions simple and affordable for everyone. They now have over 6.6 million customers and more than 3,000 employees, including sales agents.

They have moved into Uganda, Eswatini, Tanzania, and Zambia between 2005 and 2007, and then into Namibia through an acquisition in 2008.

In 2011, they began operating in Lesotho. Then, in 2012, they acquired Micro Africa Limited, which had operations in Kenya, Uganda, Rwanda, and South Sudan. This helped them expand further. They even bought a bank in Nigeria in 2016.

Letshego has a long history of helping people with their finances, and it continues to grow to reach more people across Africa.

Applying for a Letshego Loan in Kenya

Basic requirements for applying for Letshego loan in Kenya
Source: LetshegoKe on X

Getting a loan from Letshego in Kenya can be a good option if you need some extra money. Letshego is a growing finance company in Kenya, and they offer different services, including loans.

To apply for a loan with Letshego, you need to meet certain requirements that will be discussed later in this blog post. 

One big benefit of taking out a loan with Letshego is that you may deduct the installments straight from your paycheck, which makes managing the debt easier. They also provide an extended repayment period for the loan.

There are a few things to think about, though. Letshego loans are only available if your employer has an agreement with them. Thus, not everyone is eligible to apply.

So, what do you need to apply for a Letshego loan in Kenya? 

Generally speaking, you must be employed by a business that uses Letshego. For additional assurance that you can repay the loan, they may review your credit history and other financial data.

Before applying, it is vital that you fully understand these prerequisites and the application procedure. That way, you can make sure you’re eligible and prepared to get the money you need. 

To help you understand better we will give an overview of the eligibility criteria for applying for a Letshego loan in Kenya

What are Letshego loan requirements in Kenya? 

As earlier stated, there are restrictions in place when applying for Letshego, so not everyone can use their loan services. The criteria for individuals wishing to apply for the funding are as follows. 

  • Be above 18 years of age. 
  • Provide salary statement for three months.
  • Three latest payslips. 
  • National Identification. 
  • Letter from your employer. 
  • Present a properly completed and signed application.

How to get a loan from Letshego in Kenya 

Letshego loan application is primarily made online, and the procedure involved is straightforward. Here is how to apply for a Letshego loan online. 

  • Log into their website. 
  • Choose Kenya from the country list. 
  • Choose personal loans or MSE purchase order loans. 
  • For personal loans, complete all personal profiles and other information. 
  • Upload your documents. 
  • Go through the declaration section, and accept by clicking YES. 
  • If referred by a salesperson, enter the name and location. 
  • Input your name as the electronic signature. 
  • Click on finish. 

It takes 48 hours for the applicant to receive their money after completing the Letshego loan application online. 

What are Letshego Loan’s Interest Rates? 

The interest rate is 0% for less than three months of servicing and goes up to 50% for more than eighteen months. Repayment frequencies are as follows: daily, weekly, monthly, and quarterly. You may apply for a loan up to KSh. 3,000,000, depending on what you are eligible for. 

How to Repay Letshego Loans in Kenya

Payroll loans from Letshego are easy. Your employer deducts the repayments directly from your pay. On the other hand, you can use MPesa under specific conditions. Below is the procedure for applying: 

  • Locate your M-Pesa account. 
  • Choose Paybill. 
  • Enter your business number. 
  • Choose your phone number as your account number. 
  • Enter the M-Pesa pin and confirm the details. 
  • Select OK. 

Applying for Loans in Nigeria 

Letshego Loans in Nigeria offer a convenient way to access funds for immediate needs, like medical expenses. With flexible repayment options, borrowers can align payments with their financial goals. 

No collateral is required, making it accessible to more individuals. The streamlined application process saves time, and dedicated customer support assists in the loan journey.

What are Letshego Loan Requirements in Nigeria? 

To be eligible for a Letshego loan in Nigeria, individuals must know the following conditions:

  • Letshego does not finance beginning enterprises; candidates must have established firms.
  • Salary earners must be confirmed full-time employees; casual workers are not eligible for loans.
  • The age range for those who get salaries is 18 to 60. Applicants for business loans may be as young as 18 or as old as 70.
  • Employees who get a salary must receive it via a bank account; loans are not given to those who are paid in cash.
  • Letshego loans are not available to people in the following professions: police officers, lawyers, POS operators, military members, and those operating contraband businesses.
  • Letshego is operational in the following states: Anambra, Lagos, Oyo, Cross Rivers, Delta, Abuja, and Ebonyi. For loans to be approved, applicants must reside in these states.

How to Apply for Letshego in Nigeria

  1. Log on to https://appsforms.letshego.com
  2. Select Nigeria from the list of countries
  3. Select Personal Loan
  4. Select Top Up and choose type, PERSONAL or BUSINESS
  5. Fill out the requirements thoroughly and upload the necessary documents
  6. Submit your application


Sometimes, your salary might not stretch far enough to cover all your expenses for the month. In other instances, unexpected emergencies arise, requiring quick access to funds. 

Rather than turning to quick loan apps, Letshego can be an ideal solution for you. It offers the option to take loans against your payday, resembling a salary advance. This system provides accountability, ensuring that you don’t borrow beyond your means.


What does the word Letshego mean?

Letshego is a Setswana term meaning ‘support‘.

Can you access services via USSD? 

You can access repayment services by dialing *435# in Kenya and *5102#  in Nigeria. The institution is working on the USSD application. 

Does Letshego have a loan application? 

The microfinance institution offers an app to make it easier for clients to access their services. It is an application known as LetsGo BiG. So, how can the Letshego loan app be downloaded? 

The app is easily accessible through several online stores. They consist of: The Google Play App Store Web-based browser and The Huawei App Store. 

How do I access LetsGo cash?

LetsGo Cash can be accessed on Letshego’s LetsGo Digital Mall and downloadable via Android and Apple Play Store, or with one click, clicking on www.letsgo.letshego.com, as well as via the USSD *435# on their mobile phone.

What are the products of Letshego?

Solutions include micro and small enterprise loans, affordable housing loans, group loans, and personal loans to formally employed individuals.


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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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