M-Shwari Loan App Review – Kenya 2025

M-Shwari, by Safaricom and NCBA Bank, integrates savings and loans through your M-Pesa menu, offering up to KSh 100,000 with flexible repayment :contentReference[oaicite:13]{index=13}.

Service Overview

• Loan Amount: Up to KSh 100,000
• Interest Rate: 7.5% flat rate per annum
• Repayment Period: 30 days
• Access: M-Pesa menu > Loans & Savings > M-Shwari :contentReference[oaicite:14]{index=14}

How to Use M-Shwari

1. Dial *234# on your Safaricom line.
2. Select “M-Shwari” then “Loans.”
3. Choose “Request Loan” and enter the amount.
4. Confirm with your M-Pesa PIN and receive funds instantly.