Trusted across Kenya

Mobile Loans, instantly to M-Pesa

Only 4% interest. Up to 30 days to repay. Register with your Kenyan number and get funds in seconds — no paperwork, no branch visits.

Get Started → How it works

KES 600M+ Disbursed

3M+ Customers

Seconds Processing time

Only 4% Interest

Your loan, your terms

Up to 30 days. No hidden charges. Straight to your M-Pesa.

1 Sign up with your Kenyan phone number
2 Verify your identity with OTP
3 Complete your personal & employment details
4 Receive pre-approval instantly
5 Funds sent straight to M-Pesa

Start My Application

Simple Process

Loan in 4 simple steps

No paperwork. No branch visits. No waiting in queues. Everything from your phone.

Register

Verify

Confirm your identity with a one-time OTP code sent to your phone.

Complete Profile

Fill in your personal and employment details for loan pre-approval.

Receive Funds

Approved! Funds land in your M-Pesa within seconds of approval.

Why Sera Loan

Built for Kenyans

A lending platform designed around your life, your hustle, and your time.

Zero Extra Fees

What you see is what you pay. No processing fees, no hidden charges, no surprises. Just a flat 4% interest on your principal.

Lightning Fast

From application to M-Pesa in seconds. Our automated system processes approvals around the clock, 24/7.

Secure OTP Verification

Your identity and loan are protected with Twilio-powered OTP verification at every step of the process.

Installable as an App

Add Sera Loan to your home screen as a PWA — no app store needed. Opens instantly like a native app.

Flexible Repayment

Choose any repayment period from 7 to 30 days. Repay early with no penalty — we reward responsible borrowers.

Serving Africa

Sera Loan Africa Group is committed to financial inclusion — giving every Kenyan access to fair, fast credit.

Got Questions?

Frequently asked questions

Everything you need to know about borrowing with Sera Loan.

What is the interest rate? +

Sera Loan charges a flat 4% interest rate on the principal amount you borrow. This is the only charge — there are no processing fees, no application fees, and no hidden costs whatsoever.

How long do I have to repay my loan? +

You can choose a repayment period of between 7 and 30 days. You pick a date that works for you during your application. Repaying early? No penalties — early repayments are always welcome.

Are there any fees or hidden charges? +

None at all. We charge zero processing fees, zero application fees, zero late-setup fees. Your only cost is the 4% flat interest on your loan principal. What the calculator shows is exactly what you pay.

How fast will I receive my loan? +

Once your application is approved, funds are disbursed to your M-Pesa within seconds. Our automated approval system runs 24/7 so you can apply and receive money at any time — day or night.

Who is eligible to borrow? +

Any Kenyan resident with a valid phone number and an active M-Pesa account can apply. You must be 18 years or older. Employment details help determine your loan limit, but even informal workers are welcome to apply.

How much can I borrow? +

Loan limits start from KES 500 and can go up to KES 100,000 depending on your credit profile and repayment history with us. New customers start with a lower limit that grows as you build trust.

What happens if I repay late? +

We encourage on-time repayment. Late repayments may affect your credit rating and borrowing limit on the platform. We always recommend contacting us early if you anticipate any difficulty — we're here to help, not punish.

Is my data safe with Sera Loan? +

Absolutely. All your data is encrypted and securely stored. We use Twilio OTP verification to ensure only you can access your account. We never sell your personal data to third parties.