UbaPesa Loan App

UbaPesa Loan App emerges as a platform where individuals can borrow money conveniently. With its user-friendly interface and efficient loan approval process, UbaPesa provides borrowers with a seamless experience when it comes to accessing funds.

Whether it’s to cover unexpected expenses or meet financial obligations, UbaPesa Loan App aims to cater to the diverse borrowing needs of individuals.

Getting Started with UbaPesa

Getting started with UbaPesa Loan App is a straightforward process that ensures you can access the funds you need in a timely manner. Here’s how you can begin your borrowing journey:

Download the App: Start by downloading the UbaPesa App from your preferred app store. It is compatible with Android devices supporting API 16 and above.

Register with your Mpesa Number: Once the app is downloaded, register using your Mpesa Number. This step ensures a secure and streamlined registration process.

Loan Approval and Disbursement: After completing the registration process, your loan application will be reviewed and approved based on the provided information.

Upon approval, the loan amount will be disbursed to your designated account, allowing you to access the funds you need swiftly.

UbaPesa Loan Terms and Features

UbaPesa Loan App offers non-recurring personal loans with a repayment period ranging from 61 to 90 days. This flexible repayment window allows borrowers to choose a duration that aligns with their financial capacity.

To ensure transparency, it is important to understand the various aspects of UbaPesa’s loan terms. Here’s a breakdown of the key elements:

Loan Facilitation/Access Fee: UbaPesa charges a loan facilitation/access fee of 10%. This fee is calculated based on the loan amount and is deducted upfront to facilitate the loan disbursement process.

Interest Rate: Interest is applicable from the 14th day up to the 60th day of the loan duration. The maximum interest charged during this period is 15%.

It is important to note that no further interest is charged after the 60th day, providing borrowers with clarity on the total interest accrued.

Late Repayment Penalty: UbaPesa imposes a late repayment penalty of 10% on the outstanding amount if repayment is not made by the 65th day.

This penalty serves as an incentive for borrowers to fulfill their repayment obligations within the agreed-upon timeframe.

No Additional Fees or Penalties: After the 90th day, no additional fees or penalties are charged, allowing borrowers to complete their repayment without incurring any further financial obligations.

Loan Breakdown Example

To provide further clarity on UbaPesa’s loan terms, let’s consider an example:

  • Borrowed Amount: Ksh 1000
  • Repayment Period: 61 – 90 days
  • Access Fee (10%): Ksh 100
  • Interest Rate (15%): Ksh 150
  • Net Amount: Ksh 885
  • Total Amount to Pay: Ksh 1,150

It is important to note that the Annual Percentage Rate (APR) is 90%, but it is not applicable as the maximum loan duration is 90 days. This example showcases how UbaPesa ensures transparency by clearly outlining the fees and charges associated with borrowing.

How to Contact UberPesa

While UbaPesa Loan App does not currently provide customer care phone numbers, they offer alternative contact channels. If borrowers require assistance or have inquiries, they can reach out to UbaPesa through email at [email protected] or [email protected]. The dedicated customer support team is ready to address any concerns and provide the necessary guidance to ensure a smooth borrowing experience.


UbaPesa Loan App is a reliable and convenient platform for borrowing money in Kenya.

With its user-friendly interface, quick loan disbursement, and transparent loan terms, UbaPesa aims to meet the diverse financial needs of individuals.

By adhering to responsible borrowing practices and timely repayments, borrowers can leverage UbaPesa Loan App to overcome financial challenges, build creditworthiness, and secure a better financial future.

Learn more about other loans apps in Kenya here.