Welcome to ChapaaNow

Unlock Your Instant Personal Loan and Get Fast Cash When You Need It Most.

55,000

Loan Amount

Interest: KES 1,184
Service Fee: KES 800
Total Amount to Repay: KES 11,984
5,000 100,000

Please drag the progress bar to view the corresponding loan details.

The amounts displayed are estimates for reference only. Final loan terms are subject to the details shown in the application.

Loan Details

Learn more about ChapaaNow loans and how they work.

Loan Amount

KES 5,000 - KES 100,000

Service Fee (Based on risk assessment)

0% - 10%

Loan Tenure

91 Days - 365 Days

Disbursement Method

Directly to M-PESA after approval

Interest Rate (APR)

10% - 30%

Repayment Method

M-PESA Paybill / In-app repayment

Example Loan Calculation

If you borrow KES 10,000 for 180 days, with an APR of 24% and a service fee of 8%:

Interest: KES 10,000 × (24% ÷ 365) × 180 = KES 1,184 (Example)
Service Fee: KES 10,000 × 8% = KES 800
Total Amount to Repay: KES 10,000 + KES 1,184 + KES 800 = KES 11,984

All fees, interest, and total repayment details will be clearly displayed before your loan is confirmed. You can review the full breakdown and choose whether to proceed.

Eligibility Requirements

Basic criteria for submitting a loan application.

Age

18 years of age or above

Income

Regular source of income

Mobile

Valid mobile number & M-PESA

ID

Valid national identity card

Why Choose Us?

Secure, Transparent, and Responsible Financial Services

Instant approval & fast disbursement

Get funds to your M-PESA in minutes — no long waits or delays.

Paperless & easy to apply

No documents, no queues. Just your phone and ID to get started.

Grow your limit as you repay

Build your loan history and unlock higher amounts over time.

Safe, licensed, and transparent

We're regulated and committed to fair, responsible lending.

How It Works ?

Getting a loan with ChapaaNow is simple and straightforward. Follow these steps to get started:

1. App Download & Registration

Download the app from Google Play or the Apple App Store and register using your mobile phone number.

2. Provide Required Information

Submit the necessary information for application assessment.

3. Apply for a Loan

Select a suitable loan amount and repayment term, then submit your application.

4. Funds Disbursement

Approved funds are disbursed to your selected account.

FAQs

Answers to Common Questions About ChapaaNow Loans

1. What is ChapaaNow?

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ChapaaNow is a digital personal loan service designed to provide fast, flexible, and convenient financial support for Kenyans. With a simple registration and application process, eligible users can apply and receive funds directly to their M-PESA account.

3.Which network does ChapaaNow partner with?

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ChapaaNow currently supports Safaricom and provides loan disbursements through M-PESA.

5.How to apply for a ChapaaNow loan?

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Download ChapaaNow from Google Play, register with your mobile number, provide the required information, and submit your application for approval.

2.How to register for ChapaaNow?

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Download the ChapaaNow app from the Google Play Store and register using your own mobile number by following the on-screen instructions.

4.Is my data secure with ChapaaNow?

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Yes. Your data is protected with secure encryption and is never shared or sold to third parties, except when required by law or authorized financial regulations.

6.What information is needed to apply for a loan on ChapaaNow?

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To apply for a loan, only basic information is required. You will need to provide:

  • Your full name and national ID number
  • Your mobile phone number and email address
  • Two emergency contact persons
  • Basic personal and financial information for eligibility assessment

This information helps us verify your identity and determine your loan eligibility. All details are collected with your consent and handled securely.