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M-PESA Legal; Promotions and Offers; M-PESA Journey; M-PESA For You. Getting Started . Register For M-PESA; Experience M-PESA; M-PESA Reversal; Using M-PESA; Manage Your

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A free program for Android, by Safaricom Limited.M-PESA is a free program for Android, that belongs to the category 'Finance'.About M-PESA for AndroidThis app has been published on Softonic on February 22th, 2022 and we have not had the chance to test it yet.We encourage you to try it and leave us a comment or value it on our website. Our user community will really appreciate it!M-PESA requires Android 13.0 or above. The current version of the program is 2.12.0, and you can run it only in English.Also available in other platformsM-PESA for iPhoneProgram available in other languagesUnduh M-PESA [ID]ダウンロードM-PESA [JA]M-PESA 다운로드 [KO]Pobierz M-PESA [PL]Scarica M-PESA [IT]Ladda ner M-PESA [SV]Скачать M-PESA [RU]Download M-PESA [NL]Descargar M-PESA [ES]تنزيل M-PESA [AR]Download do M-PESA [PT]M-PESA indir [TR]ดาวน์โหลด M-PESA [TH]M-PESA herunterladen [DE]下载M-PESA [ZH]Tải xuống M-PESA [VI]Télécharger M-PESA [FR]Explore MoreLatest articlesLaws concerning the use of this software vary from country to country. We do not encourage or condone the use of this program if it is in violation of these laws.

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“My account” and “Update Customer menu,” then go to your M-PESA menu, select Loans and Savings, KCB M-Pesa, click on activate account, and accept the terms and conditions.How do I activate the KCB M-Pesa loan limit?To activate the KCB M-Pesa loan limit, follow these suggestions below:Save more frequentlyUse other KCB M-Pesa servicesRead all the terms and conditionsUnderstand the eligibility requirements of KCB M-Pesa loan service providers.Avoid defaulting on other loansIs KCB M-Pesa a legit loan?Yes, KCB M-Pesa is a legitimate micro-credit that is regulated and controlled by Safaricom PlC in Partnership with KCB Bank. The lender disburses quick and easy loans to borrowers without collateral.Why is my KCB M-Pesa account not activating?There are three main reasons why your KCB M-Pesa account is not activating. One reason is that your line is new and needs to be activated first. Secondly, your Safaricom customer registration process is underway. Therefore, you will need to wait for some time. The third reason is that customers registered using passport numbers won’t be able to activate KCB M-Pesa accounts. If the activation declines completely, call 100 (free) or +254 722 002100 (chargeable) or 200 (free) or +254 722 002200 (chargeable).How to opt out of KCB M-PesaOpting out of KCB M-Pesa involves deactivating and deleting the KCB M-Pesa account. To opt out of KCB M-Pesa and delete your account completely, visit the nearest KCB bank branch and fill out the account closure form, or visit a Safaricom shop and fill out an account closure form. If you want to proceed with deactivating and deleting your KCB M-Pesa account, ensure that all outstanding loan balances are settled before requesting account closure.Can you deactivate KCB M-Pesa account via M-Pesa?No, you can not directly deactivate your KCB M-Pesa account through M-pesa. To deactivate your account, visit nearest KCB Bank customer care centre to proceed with account closure.How can I borrow from KCB M-Pesa?There are two ways you can access KCB M-Pesa loan. One way is to use the M-Pesa menu through the Sim Toolkit app, while the other way is to use a USSD code. All these methods are shown below.To get a loan from KCB M-Pesa, follow these steps:Go to the M-PESA menu.Select “Loans and Savings.”Select “KCB M-Pesa.”Select “Loan.”Request Loan.Enter amount.Enter your M-PESA PIN.The loan amount will be sent to your M-PESA account. The loan amount to be paid will be inclusive of the facility fee.How to get KCB M-Pesa loan via USSDIf you are unable to access the KCB M-Pesa loan from the STK (Sim Toolkit), follow these steps below:Dial *334#Select “Loans and Savings.”Select “KCB M-Pesa.”Select “Loan.”Request Loan.Enter amount.Enter your M-PESA PIN.The loan amount will be sent to your M-PESA account. The loan amount to be paid will be inclusive of the facility fee.How to Cancel KCB M-Pesa Loan ApplicationKCB M-Pesa loan cancellation involves stopping the loan application process. A customer does not have to cancel a loan application under the following circumstances:If the borrower has not completed and submitted the application,If the borrower accepts the KCB M-Pesa

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Financial needs and borrowing capacity.What are the requirements to apply for a KCB M-Pesa loan?Borrowers applying for KCB M-Pesa loans for the first time must check the prequalification and ensure they provide the right details. Under item 15 of KCB M-Pesa loan terms and conditions, here are the prequalifications of borrowing a Kcb M-Pesa loan:You must be a registered and active M-Pesa subscriber for at least 6 months.One must have a valid national ID registered by the Government of Kenya.You must be at least 18 years old and aboveYou must be an active KCB M-Pesa account holder.KCB M-Pesa loan limit is the credit amount the micro-credit lender can disburse based on the regulated terms and conditions of the product. The loan limit KCB M-Pesa can disburse ranges from Kes 50 to a maximum of Kes 1,000,000.How much is a first loan at KCB M-Pesa?First-time loans at KCB M-Pesa ranges from Kes 500 to Kes 2000. However, the first-time loan at KCB M-Pesa varies depending on the creditworthiness of the borrower. This means that first-time applicants may not be eligible for higher loan limits or none because of their poor credit score.What is KCB M-Pesa limit review cycle?A loan limit review cycle is a periodic process undertaken by a lending institution to reassess the maximum loan amount it is willing to extend to borrowers. This review typically occurs at predetermined intervals, such as annually or quarterly. The limit review cycle for KCB M-Pesa loan takes around every 90 days for new credit limits to be assigned to borrowers.Why is my KCB M-Pesa loan limit zero?There are three main reasons your KCB M-Pesa loan limit is zero. One main reason is that you are a new customer; hence, new customers need to be active for 6 months before new limits are assigned. The second reason why KCB M-Pesa loan limit is zero is because the limit review cycle, which takes 90 days, has not been processed. The third major reason is because you have defaulted on the outstanding KCB M-Pesa loan balance for more than 90 days (3 months).To increase your limit, improve your transaction history, by saving more on your KCB M-Pesa account within the 90 days before the review takes place. Additionally, avoid defaulting on outstanding loan balances. To understand more about KCB M-Pesa loan limit increment read this document.Why is KCB M-Pesa not giving me a loan? According to KCB M-Pesa terms on loans under item 15. KCB M-Pesa is not giving you a loan because of the following six reasons:You are new Safaricom user with less than 6 months in M-Pesa activityYou have an inactive M-Pesa accountYou recently activated the KCB M-Pesa accountThe loan 90-day review cycle has not reachedYou have low transaction historyYou have low creditworthiness To ensure that you are eligible for the loan you will have to be an active M-PESA user for at least 6 months, save regularly on KCB M-Pesa account and continuously use other Safaricom services such as Voice, DATA and M-PESA.How. M-PESA Legal; Promotions and Offers; M-PESA Journey; M-PESA For You. Getting Started . Register For M-PESA; Experience M-PESA; M-PESA Reversal; Using M-PESA; Manage Your M-PESA Statement; Tariffs Limits . Consumer Tariffs Limits; Bulk Payments (B2C) Tariffs ; M-PESA to Bank and Bank to M-PESA Tariffs; Helpful M-PESA channels. M-PESA Super App and Mini Apps; USSD 334 Sim Toolkit ; MySafaricom App; M-PESA Tips. Fraud Awareness; Secure M-PESA ; M-PESA Legal . Next of Kin Claim; M-PESA Services. Transactions

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KCB M-Pesa Loan is a type of unsecured personal loan that is disbursed without relying on the borrower’s assets for security. KCB M-Pesa loans are approved based on the borrower’s creditworthiness. Therefore, these types of personal loans are easy, fast, and instant to apply for and get approved for because they do not require any collateral or paperwork. KCB M-Pesa Loan Account is a micro-credit product that allows a borrower to borrow money in times of need and to complement savings towards an investment or enterpriseKCB M-Pesa loans are emergency loans that can be used for personal uses such as home improvement, small business expansion, medical expenses, debt consolidation, and other personal expenses. KCB M-Pesa is a mobile banking lender that uses machine learning systems to understand a customer’s financial capacity. The machine learning system uses data from the user’s devices to check and calculate the credit limit.How does a KCB M-Pesa loan work?KCB M-Pesa Loans operates by underwriting and disbursing loans to borrowers based on their ability to pay. KCB M-Pesa checks user’s credit history and transaction history with M-Pesa. During the registration process, KCB M-Pesa reviews the borrower’s personal details, such as monthly income, residential area, and household. The data collected by the mobile service provider (Safaricom) is used to create a customer profile.Below is a summary table for the KCB M-Pesa loan features, such as interest rate charged on the loan, loan amount, credit limit, annual percentage rate (APR), loan repayment terms, origination fees and processing fees and charges, loan disbursement method, speed, the eligibility criteria of the KCB M-Pesa loan, the pay bill number, contact details, loan purpose, and the approval process. All these concepts are important to understand before applying for any personal or unsecured loans. TABLE OF CONTENTS How does a KCB M-Pesa loan work?How to activate KCB M-Pesa loanHow can I borrow from KCB M-Pesa?KCB M-Pesa loan Fees, Charges, and Interest ratesKCB M-Pesa loan Eligibility CriteriaWhat is KCB M-Pesa loan limit?KCB M-Pesa Loan Repayment MethodsConsequences for Defaulting on KCB M-Pesa LoanKCB M-Pesa loan CRB ClearanceKCB M-Pesa loan History FeatureDetailsLoan TypeUnsecured Personal loanKCB M-Pesa USSD code*234# or *334#Loan termThe shortest duration is 7 day, and the longest is 30 days.Loan Disbursement decisionIt takes less than 5 minutes to get the loan.KCB M-Pesa loan Interest rate RangeThe interest ranges between 7.5% to 9.103% and 1.5% excise duty tax for 30 daysProcessing Fee Range0%KCB M-Pesa Loan Limit Rangeranges from KSh 50 to KSh 1,000,000KCB M-Pesa Customer Care ContactsTelephone: +254 (711) 087001, +254732187000, +254202287001SMS: 22522WhatsApp: +254711087087Email: [email protected] or [email protected]Max Effective APRMinimum 7.5% p.a. to Maximum 9.103% p.aKCB M-Pesa Paybill No.522559How to activate KCB M-Pesa loanActivating KCB M-Pesa loan involves opting into the loan services. The activation of the KCB M-Pesa account involves accessing the loan products and the KCB M-Pesa saving services. The process also involves creating a customer profile with KCB Bank by sharing your personal details with the bank behind the loan service.To activate KCB M-Pesa loan, go to your M-Pesa menu, select

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Below:Go to M-PESA menu• Select Lipa na M-PESA• Select Paybill & Enter Business & enter 522559 as Business Number• Select Account no. & enter “Borrower’s ID number e.g. 12345678’’• Enter amount & follow prompts to completeCan I pay an KCB M-Pesa loan for another lost number?Yes, to pay KCB M-Pesa loan for another lost number, Go to M-PESA menu• Select Lipa na M-PESA• Select Paybill & Enter Business & enter 522559 as Business Number• Select Account no. & enter “Borrower’s ID number e.g. 12345678’’• Enter amount & follow prompts to complete.How do I check my KCB M-Pesa loan balance?There are two ways to access the loan balance from KCB M-Pesa account. One way is using an KCB M-Pesa menu, and the second way is using the short code *334#. The steps are shown below;To check the KCB M-Pesa loan balance using KCB M-Pesa menu via M-Pesa, follow these steps: Go to your Safaricom menu and select M-Pesa>>Select “Loans & Savings.”>>Select ‘KCB M-Pesa’ menu and choose ‘LOAN’>>Select ‘Loan Balance.’>>Enter your M-Pesa PIN and press OkTo check the KCB M-Pesa loan balance using USSD, follow these steps: Dial *334#>>Select “Loans & Savings.”>>Select ‘KCB M-Pesa’>>choose ‘LOAN’>>Select ‘Loan Balance.’>>Enter your M-Pesa PIN and press Send.Consequences for Defaulting on KCB M-Pesa LoanKCB M-Pesa Loan default occurs when a borrower fails to meet the legal obligations or conditions of a loan agreement. This typically means that the borrower has not made the required payments on time or has stopped making payments altogether. When you default on a KCB M-Pesa loan, the lender reports you for a negative listing to CRB, which reflects on your credit report. What is the KCB M-Pesa loan default period?Loan default period involves the time when loan repayment expired. This is an overdue date after an outstanding loan balance is failed to be settled by the borrower. What happens if I default on KCB M-Pesa loan?If you default on KCB M-Pesa credit, you may be contacted by collections agents. In the event of a long period of non-payment, you may be blacklisted from KCB M-Pesa credits and reported to the relevant credit reference bureaus.What are the consequences of late KCB M-Pesa loan repayment?There are four consequences for late repayment on the KCB M-Pesa credit. The consequences are listed below:Additional Fees: You will be charged a 9% t0 15% facilitation fee for every period that the loan remains unpaid. Loan Limit Reduction: Repeated late payments can result in a reduction of your KCB M-Pesa credit limit.Credit Bureau Listing: Persistent default on loan repayment can lead to your name being listed on the Credit Reference Bureau (CRB), negatively impacting your credit score.Loss of Access to KCB M-Pesa Services: If you default more than 180 days, your KCB M-Pesa account might be closed, preventing you from accessing any of its services.It’s crucial to repay your KCB M-Pesa loan on time to avoid these penalties and maintain a good credit history.How long can I delay KCB M-Pesa loan repayment before penalties?KCB M-Pesa loans typically have a

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Do I check my KCB M-PESA loan limit?Go to M-PESA menu• Select Loans and Savings• Select KCB M-PESA• Select Loan• Select Check Loan Limit.KCB M-Pesa Loan Repayment MethodsKCB M-Pesa loan repayment involves the process of paying back money borrowed from a lender according to the terms agreed upon in a loan contract. This process involves a series of regular payments, often monthly, that cover both the principal amount (the original sum borrowed) and interest (the cost of borrowing the money). Loan repayment methods refer to the various strategies and schedules borrowers use to repay their KCB M-Pesa loans. Below is a list of ways to pay your KCB M-Pesa loan balance:1. How to pay KCB M-Pesa loan via M-PesaGo to your Safaricom menu and select M-PesaSelect “Loans & Savings.“Select ‘KCB M-Pesa’ menuChoose ‘LOAN’Select ‘Pay Loan’Enter Amount.Enter your M-Pesa PINConfirm that all details are correct and press ‘OK’An SMS message is sent on a successful or unsuccessful request.2. How to pay KCB M-Pesa loan via *334#Dial *334#Select “Loans and Savings.”Choose “KCB M-Pesa.”Select “Loan.”Select ‘Pay Loan’Enter amount.Enter your M-PESA PIN.The loan amount will be sent to your M-PESA account. The loan amount to be paid will be inclusive of the facility fee.Can I borrow immediately after paying KCB M-Pesa?Yes, you can instantly request another loan on the KCB M-Pesa menu after you finish paying an outstanding loan. Ensure you were within a positive listing and not a negative listing. A KCB M-Pesa user reports that being negatively listed increases the chances of being denied a loan after full repayment. According to KCB M-Pesa terms ensure you are in the positive listing and you are paying loan on time to increase the chance of getting a loan immediately after full repayment.How to pay KCB M-Pesa loan using Pay billUsing M-PESA Pay bill 522559• Go to M-PESA menu• Select Lipa na M-PESA• Select Paybill & Enter Business & enter 522559 as Business Number• Select Account no. & enter “Borrower’s ID number e.g. 12345678’’• Enter amount & follow prompts to complete.How to pay KCB M-Pesa loan using FulizaFuliza Loan and KCB M-Pesa Loan are two different micro-loan products. KCB M-Pesa is a banking service that can be accessed through a mobile phone. KCB M-Pesa offers two types of services, which include short-term loan services and savings services. Fuliza on the other hand, is an overdraft loan service that borrower uses to complete a transaction. Fuliza is a short-term soft loan that can be used to consolidate a loan in case you want to default on a personal loan.Can you pay the KCB M-Pesa loan using the Fuliza loan?Yes. Because Fuliza loan is an overdraft loan that is disbursed through completing an M-Pesa transaction. Therefore, if you want to pay KCB loan using Fuliza loan, the first step is check your Fuliza loan limit that can be disbursed. Next, Fuliza the loan limit amount to another number find steps to Fuliza your loan limit to another user from this document, fuliza loans. Then follow these steps

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Why can't I install M-PESA for Business?The installation of M-PESA for Business may fail because of the lack of device storage, poor network connection, or the compatibility of your Android device. Therefore, please check the minimum requirements first to make sure M-PESA for Business is compatible with your phone.How to check if M-PESA for Business is safe to download?M-PESA for Business is safe to download on APKPure, as it has a trusted and verified digital signature from its developer.How to download M-PESA for Business old versions?APKPure provides the latest version and all the older versions of M-PESA for Business. You can download any version you want from here: All Versions of M-PESA for BusinessWhat's the file size of M-PESA for Business?M-PESA for Business takes up around 65.6 MB of storage. It's recommended to download APKPure App to install M-PESA for Business successfully on your mobile device with faster speed.What language does M-PESA for Business support?M-PESA for Business supports Afrikaans,አማርኛ,اللغة العربية, and more languages. Go to More Info to know all the languages M-PESA for Business supports.. M-PESA Legal; Promotions and Offers; M-PESA Journey; M-PESA For You. Getting Started . Register For M-PESA; Experience M-PESA; M-PESA Reversal; Using M-PESA; Manage Your M-PESA Statement; Tariffs Limits . Consumer Tariffs Limits; Bulk Payments (B2C) Tariffs ; M-PESA to Bank and Bank to M-PESA Tariffs; Helpful M-PESA channels. M-PESA Super App and Mini Apps; USSD 334 Sim Toolkit ; MySafaricom App; M-PESA Tips. Fraud Awareness; Secure M-PESA ; M-PESA Legal . Next of Kin Claim; M-PESA Services. Transactions

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Why can't I install M-PESA for Business?The installation of M-PESA for Business may fail because of the lack of device storage, poor network connection, or the compatibility of your Android device. Therefore, please check the minimum requirements first to make sure M-PESA for Business is compatible with your phone.How to check if M-PESA for Business is safe to download?M-PESA for Business is safe to download on APKPure, as it has a trusted and verified digital signature from its developer.How to download M-PESA for Business old versions?APKPure provides the latest version and all the older versions of M-PESA for Business. You can download any version you want from here: All Versions of M-PESA for BusinessWhat's the file size of M-PESA for Business?M-PESA for Business takes up around 50.0 MB of storage. It's recommended to download APKPure App to install M-PESA for Business successfully on your mobile device with faster speed.What language does M-PESA for Business support?M-PESA for Business supports isiZulu,中文,Việt Nam, and more languages. Go to More Info to know all the languages M-PESA for Business supports.

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M-PESA, one of Kenya’s leading mobile money services, offers a seamless way to access your transaction history. Whether for personal tracking or official purposes, retrieving your M-PESA statement is easy. Here’s everything you need to know about accessing MPESA statements online in 2025.What is the M-PESA statement service?The M-PESA statement service enables registered users to access detailed, stamped transaction reports. These statements can be:Downloaded directly onto your phone.Sent to your email.With Mpesa statements online in 2025, users can easily track their financial history without visiting a Safaricom shop.Key benefits of M-PESA statements available online in 2025Accessing your M-PESA statement offers several advantages:Self-registration: You can register for the service without visiting a Safaricom shop.On-demand access: Statements are available anytime you need them.Financial reconciliation: You can conduct reconciliations or meet requirements for financial facilities.No extra visits: No need to visit a physical location for statements. Mpesa statements online in 2025 make this process even more convenient.How to download or access the M-PESA statements available online in 2025 serviceM-PESA statements are available through two main channels:M-PESA AppUSSD Dialling (*334#)Both options provide access to Mpesa statements online in 2025, and the service is free for all M-PESA users.Accessing Your M-PESA StatementsHere’s how you can retrieve your M-PESA statements through different methods:Using the M-PESA AppDownload and install the M-PESA App from the Play Store (Android) or App Store (iPhone).Log in using your M-PESA PIN or biometrics.On the Home page, go to M-PESA Statements and tap See All.Select the month or set custom dates.Tap Generate Statement to download.Using USSD (*334#)Dial *334#.Select My Account.Choose M-PESA Statement.Select the type of statement (monthly, custom).Enter and confirm your email address.Input your M-PESA PIN to finalise.This quick process ensures you can access Mpesa statements online in 2024 with ease.Querying past statementsYou can request statements for the following periods:Last 1, 3, 6, or 12 months.Last 2 years.Specific custom dates.For records older than two years, visit the nearest Safaricom shop.Court-Use M-PESA statementsIf you require an M-PESA statement for court purposes, the regular statement may bear a disclaimer. To get a version without this disclaimer:Visit a Safaricom shop.Fill in a Civil Disputes Statement Request Form.Provide identification and clarify the purpose of the statement.Note: These statements are limited to civil cases only, not criminal matters.Accessing deceased relative’s M-PESA statementsIf you need access to the M-PESA statement of a deceased relative, you’ll need:Your original ID.A death certificate of the deceased.An affidavit showing your relationship.A letter from the county chief or administration.Submit these documents at a Safaricom shop for processing.Retrieving funds from a deceased Relative’s M-PESA accountThe process depends on the amount in the account:For amounts above KSh 30,000:Provide an original death certificate.Submit a Grant of Probate or Letters of Administration.For amounts below KSh 30,000:Present your ID.Submit a death certificate and a letter from the local chief.Funds will be transferred to your M-PESA number within 72 hours upon approval.Final thoughts on how to easily get your original M-PESA statements in 2024M-PESA has simplified financial management for millions. With easy access to transaction records, users can better monitor. M-PESA Legal; Promotions and Offers; M-PESA Journey; M-PESA For You. Getting Started . Register For M-PESA; Experience M-PESA; M-PESA Reversal; Using M-PESA; Manage Your

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Offer but has not yet cashed out,To cancel a KCB M-Pesa loan application, one should do nothing, and the loan cancellation will be processed automatically.KCB M-Pesa loan Fees, Charges, and Interest ratesThe KCB M-Pesa interest rate involves the charges a borrower has to incur for borrowing the loan. Loan fees are charges the borrower needs to incur before the loan is disbursed. There are three fees you will incur when applying for a loan from KCB M-Pesa. The roller-over fee, negotiation fee, and the facility fee. Other minor charges include 1.5% excise duty tax, which is included in the facility fee, and M-Pesa withdrawal charges if you intend to withdraw your loan amount or charges for sending the loan amount to another financial institution.What is the interest rate for KCB M-Pesa Loan per month?According to KCB M-Pesa terms and conditions, the interest rate for KCB M-Pesa loans is currently between a minimum of 0.6% and a maximum of 0.74% per month. Additionally, there is a 1.5% excise duty.What is the interest rate for KCB M-Pesa Loan per per day?According to KCB M-Pesa loan terms and conditions, the daily interest rate for KCB M-Pesa loans is currently between a minimum of 0.02% and a maximum of 0.024%. Additionally, there is a 1.5% excise duty.What fees does a borrower incur when processing a loan with KCB M-Pesa?When applying for a personal loan with a lender, fees and charges should be determined and analyzed. The fees that a borrower might incur during a loan process include the following: processing fees, prepayment charges, late payment penalties, documentation charges, insurance charges, loan cancellation charges, underwriting fees, origination fees, service fees, and tax-related fees on the personal loan disbursed. When processing an KCB M-Pesa, the following fees will be charged:Types of Fees Interest chargedRoll-over feeThe roll-over fee is 7.5%Underwriting feeNo Underwriting feeslate payment FeesThe penalty upon default is 10% of the outstanding amount charged on monthly basisNegotiation fee15.11. The Customer loan will be issued net of interest and negotiation fees calculated at a rate of 2.5% ofthe amount borrowed.Kcb M-Pesa loan feesKCB M-Pesa loan Facilitation Fee RateLoan Repayment PeriodInterest RateFacilitation Fee RateTotal Fee7 days0%9%9%14 days0%9%9%21 days0%12%12%30 days0%15%15%KCB M-Pesa loan Eligibility CriteriaEligibility criteria refer to a set of predefined standards or requirements that a borrower must meet to be considered for a particular loan. These criteria are used to determine who is qualified or suitable to get approved for the loan. For KCB M-Pesa loan offers, the eligibility criteria can vary widely depending on the context and can include factors such as income, age, transaction history, and credit score. These requirements involve the qualifications a borrower must meet to get a KCB M-Pesa loan.To qualify for KCB M-Pesa loans, users must be active M-Pesa customers with regular M-Pesa usage and a consistent savings record on KCB M-Pesa. These criteria may not suit everyone. For more flexible options, explore loan apps in Kenya that offer diverse loan products with varying eligibility requirements, providing alternatives that better match your