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Apesa Loan, Apesa Loan App Download

Apesa Loan, Apesa Loan App Download

Updated on July 2nd, 2022 at 12:18 pm

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Apesa Loan, Apesa Loan App Download

Apesa Loan

The Apesa loan app is a newly and recently introduced mobile loan app, which provides a safe and reliable mobile phone loans in Kenya through the M-Pesa.

It is also able to give fast, instant and emergency loans. Therefore, in order to be able to get the Apesa loan you are supposed to be a registered active M-Pesa user.

Apesa Loan App Download

Follow the following steps to download Apesa loan app for android smart phones from the google play store:

  • Go to google play store app or visit play.google.com direct from your browser.
  • When you open google play store, search for Apesa loan app and click on the first result.
  • Then tap install to add the app to your device.
  • Once you have installed the app, now create an account with Apesa.
  • After successfully creating an account, you can login and apply for the loan after receiving the loan limit.
  • If Eligible, the loan will be disbursed to your Registered M-Pesa number account in less than  30 minutes.

Apesa online loan Repayments

Apesa loan repayments unlike other loan applications, are made through the application. The repayment can be made after a period of 2 weeks or 12 months, depending on amount borrowed.


Features of Apesa

  • Apply online at any time 24 hours a day, no face-to-face, one-click operation, no harassment, and you can apply if you have good credit
  • You can apply if you have a mobile phone
  • The interest is very low for example if you borrow ksh 10,000 you get 0.05% interest rate.
  • Convenient repayment, can be operated online and offline, convenient and can be repaid anytime, anywhere


The Interests rate for Apesa app:

Apesa loan charges low interest rates of 0.006% per day or 18% per annum, which is relatively low compared to other online loan apps.

Read Also Tala loan app download, tala loan limit and Contacts

Apesa PayBill Number

The Apesa PayBill Number is 4047993.You can also make your repayment directly via the app vis STK Push.

 Apesa collects personal information from you for the following reasons:

Apesa may use Personal Information collected for any of the following purposes, as well as those permitted by Applicable Law:

  • to identify you and to register you as a user and to administer, manage or verify your Account as such;
  • to facilitate or enable any checks as we may in our discretion consider necessary before we register you as a user.
  • to disburse Loan and collect payments for your use of the Service;
  • to build credit models and perform credit scoring;
  • to comply with Applicable Law, regulations, and rules, such as those relating to “know-your-customer” and anti-money laundering requirements;
  • to communicate with you and to send you information in connection with the use of the App;
  • to notify you of any updates to the App or changes to the Service (including interest rate, Transaction Fees, etc.) available;
  • to process and respond to enquiries and feedback received from you;
  • to maintain, develop, test, enhance and personalize the App to meet your needs and preferences as a user;
  • to contact you by telephone using auto-dialed or pre-recorded message calls or text (SMS) messages (if applicable) as authorized for the purposes described in this Privacy Policy and the Terms of Use;
  • to monitor and analyse user activities and demographic data including trends and usage of the Service available on the App; and
  • to send you direct marketing communications and information on special offers or promotions.
  • b. We may also use your Personal Information more generally for the following purposes (although we will in each such case always act reasonably and use no more Personal Information than what is required for the particular purpose):
  • to undertake associated business processes and functions;
  • to monitor usage of the App and administer, support and improve the performance efficiency, user experience and the functions of the App;
  • to provide assistance in relation to and to resolve any technical difficulties or operational problems with the App;
  • to generate statistical information and anonymous analytics data for the purpose of testing, research, analysis and product development;
  • to prevent, detect and investigate any prohibited, illegal, unauthorized or fraudulent activities;
  • to facilitate business asset transactions (which may extend to any mergers, acquisitions or asset sales) involving us and/or any of our Affiliates; and
  • to enable us to comply with our obligations under any Applicable Law (including but not limited to responding to regulatory enquiries, investigations or directives) and conducting audit checks, due diligence and investigations.


Apesa Contact Number

Mobile number: 0769 767 096

Phone Number: +254 20 7903 583

Email Address: [email protected]




    I applied for a loan of 3500 payable in 7days. It is emergency and not yet approved. Yesterday you customer rep. Called me to reaply and be given loan. I have reaplied but not yet.
    Phone 071697332u
    Loan 3500

  2. I have also applied an emergency loan and not yet approved

  3. Same story as above coments

  4. Kevin ivida egalla

    l applied for loan of 1500 yesterday but not received yet

  5. Have applied for an emergency loan but not yet approved

  6. I applied for a loan of 3500 ,I lost my phone with the app, no message sent to me so as to get the playbill to pay it back.. I was then told that it’s 4500 but now fear it could be more than that.. how can I know my loan balance and the playbill please… It’s getting too high..

    • Hi Joseph..
      Download the Apesa App from the Google Play Store to view your loan repayment status and accrued interest.
      Apesa’s PayBill number is 4047993.

  7. Its sad that I have cleared my loan but you still saying that my loan is overdue please refresh your system and stop a crude me much penalties. I paid via this paybill No.4047993

  8. Hi guys. My name is John Jomo Mungai. I repaid my loan yesterday but the system is yet to clear me. That’s why am not able to get another loan. My number is 0707612562.

  9. Am Esther ….I was sent a message that I can apply for the loan ….on application I was told that there is an error

  10. I have applied a loan today it is reflecting on the app but I have not received the money .What should I do

  11. Hello Admin,I’m Alice Rubia recently took a loan of 1500 few minutes ago…..And I haven’t get any message yet….what should I do

  12. Hello Apesa admin, I paid my loan before my due date with the paybill number and account number on the Apesa App but until the amount haven’t reflected, the loan is now overdue and even have some penalties, check on this n advice

  13. I apply the amount of 1500 some hours ago but I have not received the money, what is going on

  14. I repaid my loan a week ago. APESA has refused to update their system which is steadily multiplying penalties against my name. Their rude agents are doing nothing to help me. I am left with no option but to sue. THIS IS THE HEIGHT OF PSYCHOLOGICAL ABUSE. I keep getting threatening messages! APESA. I would like you to stop sending messages to my phone and clear me from your system.

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