Terms and Conditions

Last updated: March 2026

By accessing or using Mkopo Haraka, you agree to comply with and be bound by these Terms and Conditions.

1. Loan Eligibility

You must be at least 18 years old and a resident of Kenya with a valid national ID and an active phone number.

2. Loan Terms

Loan amounts and interest rates are determined based on your credit eligibility. Interest rates are fixed at 7.5% per month for qualified borrowers.

3. Repayment

Repayment must be made via M-Pesa within the specified duration (30 to 90 days).

4. Late Fees

Failure to repay on time may result in additional charges and negatively impact your credit score.

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