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Last updated: April 5, 2026

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Fiza Loan App is a mobile lending app in Kenya that offers instant short-term loans sent directly to M-Pesa . It is operated by Wabema Credit Limited . It is mainly designed for: Emergency cash Small personal needs Short-term borrowing 💰 Key Features Loan amount: KSh 800 – KSh 10,000 Repayment period: 61 – 91 days Interest (APR): ~16% to 65.5% Disbursement: Instant to M-Pesa Collateral: ❌ Not required 👉 Example: Borrow KSh 10,000 → repay about KSh 10,700 depending on your rate. ✅ Requirements To qualify for a Fiza loan: Kenyan ID Age 18–60 Active M-Pesa account Smartphone with internet Some form of income ⚙️ How It Works Getting a loan on Fiza is simple: Download the app from Play Store Register using your phone number Submit ID and personal details Apply for a loan Receive money on M-Pesa if approved ✔️ The entire process is 100% online — no paperwork required. 👍 Pros Very fast approval (within minutes) No collateral or guarantor n...

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