Trusted by thousands of Kenyans

Fast Loans.
Zero Hassle.
Real Money.

Hela Sasa delivers instant mobile loans to unbanked and underbanked Kenyans — no collateral, no bank statements, just your M-PESA number.

Apply Now → How it works
99%
Approval Rate
5min
Avg. Disbursement
7.85%
Monthly Rate
Loan Products
The right loan
for every Kenyan.
💼

Unsecured Loans

  • National ID or Passport
  • No Collateral Required
  • No CRB Review
  • Loan Insurance Included
  • M-PESA Number
Apply now →
🏪

Business Loans

  • No Collateral Needed
  • Loan Insurance Included
  • National ID or Passport
  • Proof of Income
Apply now →
💰

Salary Loans

  • Pay Slip & Bank Statement
  • Employment Contract
  • National ID or Passport
  • Bank Account
  • Credit Score Check (CRB)
Apply now →
Process
Get funded in
three steps.
01

Fill Your Details

Enter your personal information and choose your loan type. Takes under 2 minutes.

02

Get Approved

Our system verifies your details instantly. 99% of applicants qualify for a loan.

03

Receive via M-PESA

After the small 1.8% insurance fee, your loan is sent directly to your M-PESA.

🔒 SSL Secured
📱 M-PESA Integrated
✅ No Hidden Fees
🏆 99% Approval Rating