9 Loan Apps that require Mpesa Statement

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Mpesa background image with logos of berry, branch, stawika indicating loan apps that work with mpesa statement of account.

The proliferation of mobile loans has revolutionized the borrowing landscape, offering unparalleled convenience compared to traditional lending institutions. Key to this accessibility is the minimal eligibility criteria, including being 18 years or older, owning a smartphone, and being an active M-Pesa user. However, additional factors, such as M-Pesa statements, play a crucial role in determining loan approvals and limits.

How To Get Your MPESA Statement of Account

M-Pesa statements serve as comprehensive records of financial transactions conducted through the M-Pesa platform over a specified period. To generate your M-Pesa statement, follow these steps:

  • Dial *234# from your Safaricom SIM card.
  • Select option 5: M-PESA information.
  • Choose option 1: M-PESA statement.
  • Select option 1: Request statement.
  • Choose the duration for the M-PESA statement. Here are the options you have to select as duration
    • Current Month
    • Previous Month
    • Previous 3 months
    • Previous 6 months
    • Current year
    • Last 12 months
    • Last 2 years
    • Specified period
  • Enter your email address recipient’s email address.
  • Enter M-PESA PIN.
  • An SMS containing the 6-digit code will be sent to your phone. Use it to access the MPESA statement which would be sent to your email address. The email address you entered as ‘Recipient address’ two steps back.

Loan Apps That Require MPesa Statements


Stawika Capital Finance provides mobile loans ranging from Ksh200 to Ksh70,000. Applicants must submit their M-Pesa statements via the Stawika loan app or use USSD code: *872# to determine loan eligibility.

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Paddy Micro Investments provides the Scoppe loan app, requiring M-Pesa statements to assess credit scores. Available for download from the Google Play Store.


Finberry Capital offers Berry loans ranging from Ksh500 to Ksh50,000. You must upload your 12-month M-Pesa statements via the Berry app to facilitate lending decisions. They would then determine if you’re eligible for a loan and how much they can give you.


Kamoa is a lending marketplace that matches borrowers with suitable loans ranging from Ksh500 to Ksh1.5 million. Users can upload their 24-month M-Pesa statements via the Kamoa app to access loans from trusted lenders.


Zenka Digital provides flexible loans ranging from Ksh500 to Ksh30,000. While most applications are automated, some may require M-Pesa statements for further review.


Pezesha connects investors with SMEs offering loans up to Ksh1,000,000 with repayment options of 1-12 months. Users can improve their loan limits by uploading their 6-month M-Pesa statements via the Pezesha app.


Renowned for its quick and hassle-free loans, Branch utilizes M-Pesa statements to tailor loan offers to individual financial profiles, making borrowing more accessible and personalized.


With a focus on financial inclusion, Tala empowers users by analyzing M-Pesa data to provide instant loans, bridging the gap between financial need and accessibility.


While not a standalone loan app, In Fuliza, offered by Safaricom, you rely on M-Pesa transaction data to get loans and overdrafts. It’s helpful for quick access to funds when needed.

To enjoy Fuliza M-PESA overdraft services, you need to be registered on M-PESA with an active Safaricom M-PESA line. You would then need to opt into Fuliza to enjoy the service.

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Loan apps in Kenya that require M-pesa statements include Stawika, Branch, Fuliza, Tala, Pezesha, Zenka, Kamoa, Scoppe, and Berry. This is not an exhaustive list but it’s a good place to start. So, if all your transactions are done with Mpesa and not traditional banks, you have no reason to fear, you can still use your Mpesa statement of account to request loans from these Loan apps stated in this article.

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