Please download the Little Pesa App from Google Play store or App Store and sign up. If you are already using Little Pesa App, you just sign up for Flexipay on your App itself.

After signing up, please send your ID Copy, latest Payslip (if applicable), Bank and MPESA statements for the last 3 months. On approval, you will get an SMS from Little Pesa specifying your approved loan limit. In case of Rejection, you will also be advised. 

The account can be activated by entering your ID no. and mobile no.  Upon activation, you will receive One Time PIN (OTP) from Little Pesa and once you enter the said OTP, you will be prompted to change the PIN to four digits of your choice. In case, you are already active under our Short-Term Loan Product, you will not receive a new PIN on activation and the existing PIN will work for all the products.

3 Months –6% p.m.; 6 Months- 5.5% p.m.; 9 Months-5 % p.m.; 12 Months-4.5% p.m. 

Please select Flexipay option under loan types on your app and then Apply and specify the period and amount of loan. After you have deposited cheques for the monthly instalments, loan amount id directly disbursed to your Mpesa account. 

There is No Processing Fee or Hidden Charge. Apart from interest, we only charge Ksh 60 per disbursement as M-Pesa charge. The disbursement charge of Ksh 60 remains same for a disbursement up to Ksh 150,000 i.e., the maximum amount that can be disbursed through MPESA at a time.

You need to pay monthly equated instalment. It is computed taking into account principal plus interest minus down payment divided by number of months. e.g., if you apply for a loan of Ksh 100,000 for a period of 6 months, down payment is 10% i.e., Ksh 10,000 and monthly equated instalment is Ksh 20,500 i.e., 100,000 -10,000 +33,000/6.

Our loan limits are fixed at maximum at 200% of the Net Pay/Average monthly income subject to a maximum loan limit of Ksh 300,000.