Instant cash, anytime
Need cash for an emergency or a personal expense? Pesa Mkononi processes your loan quickly and sends funds straight to your mobile money wallet within minutes — no long queues at the bank.
Instant cash to your mobile wallet
Pesa Mkononi gives you fast online loans of up to 800,000 TZS. Apply in minutes, get approved instantly and receive funds straight to your wallet — low interest, no hidden fees.
Receive funds straight to M-Pesa, Airtel Money, Tigo Pesa & HaloPesa
800,000
Max loan (TZS)
5 min
Fast approval
91–180
Days to repay
A financial partner for the long term.
Safe & Secure
Your privacy is our top priority. We use strong encryption and secure verification to keep your personal data protected at every step of your loan application.
Fair & Transparent
Committed to transparency, which means you won't find any hidden fees or charges in your loan agreement — you always know exactly what you will repay.
Speedy Approvals
Our efficient application process means approval takes just minutes. Apply, get approved and access your funds the same day.
Customer Service That Cares
We're always here to help. Our friendly support team responds quickly so you're never left waiting when you need assistance.
Flexible Repayment
Customize your repayment plan to fit your budget, with loan terms from 91 to 180 days. Repay on time and improve your credit score to unlock higher limits and better terms next time.
How it works?
Step 1
Download & Register
Install Pesa Mkononi on your smartphone and complete a short registration with your basic details and national ID.
Step 2
Choose Your Loan
Select your loan amount and repayment term, then confirm your application and wait a few minutes for instant approval.
Step 3
Receive Your Funds
Once approved, the money is sent straight to your M-Pesa, Airtel Money, Tigo Pesa or HaloPesa wallet within minutes.
Customer reviews about Pesa Mkononi
"I needed money urgently for a medical bill and Pesa Mkononi approved my loan in just a few minutes. The cash was in my M-Pesa wallet almost instantly. A real lifesaver!"
Amina H., Dar es Salaam
"The application is so simple — just a few taps on my phone and I was done. No paperwork, no queues at the bank. I repaid on time and my limit went up."
Joseph M., Small Business Owner
"What I love most is the transparency. No hidden charges, I knew exactly what I would repay from the start. The repayment terms are flexible and fair."
Neema K., Teacher
"Customer service is excellent. They responded to my question very quickly and helped me extend my repayment when I needed more time. Highly recommend."
Baraka S., Driver
Frequently asked questions
Find quick answers about borrowing with Pesa Mkononi. We've compiled answers to the most frequently asked questions right here.
Contact supportWhat is Pesa Mkononi?
Pesa Mkononi is an online loan app in Tanzania that provides instant loans of up to 800,000 TZS, sent directly to your mobile money wallet with fast approval and a simple application.
Who can apply for a loan?
You must be 18 years or older, have a stable income (employed or self-employed), a valid phone number linked to a mobile wallet (M-Pesa, Airtel Money, Tigo Pesa or HaloPesa), and a national ID for identity verification.
How much can I borrow and for how long?
Loan amounts go up to 800,000 TZS. The minimum loan period is 91 days and the maximum is 180 days. The Annual Percentage Rate (APR) is 36%.
How fast will I receive the money?
After your application is approved, funds are sent straight to your mobile money wallet within minutes. Approval itself usually takes just a few minutes.
How do I repay my loan?
You repay through your mobile wallet within your chosen term. Repaying on time improves your credit score, helping you access higher limits and better terms. If you need more time, you may be able to extend your repayment.
Get cash with Pesa Mkononi today
Download the app, apply in minutes and receive funds straight to your mobile wallet. Borrow with confidence — anytime, anywhere.