KES 100 TO 900 LOANS   





To be eligible for the service, you have to meet the following criteria

  • You must be a Safaricom Mpesa subscriber

  • You must be over 18 years old

  • You must have a national ID

  • You must pass our CRB test





  1. The OkoaMia Service allows borrowers, who meet the eligibility criteria set out in the eligibility section of this website, to request for a loan whose amount is between Kshs. 100 to Kshs. 900 (the “Credit Advance") which amount shall be credited to the borrower’s electronic wallet.

  2. For providing the Credit Advance to you, we incur a transaction fee of Kshs. 15. This means that you will pay an additional Kshs. 15 for your loan.

  3. The interest rate for the Service is 10%.

  4. The borrower pays an acceptance fee of amount Kshs. 5 to Kshs. 45 depending on the desired loan amount. This acceptance fee is your signature accepting our terms and conditions and your request for a loan from OkoaMia.

  5. The borrower is to pay the credit advance in full within 5 days from the date of issue. Failure will result in the credit advance being in overdue state.

  6. The penalty for late payment is Kshs. 20 to Kshs. 180 per day, depending on loan amount, every time your loan credit advance is in overdue state to a maximum of your loan principal.

  7. The service will send notifications to the borrower through email and SMS, at a schedule which the service will determine.

  8. The borrower gives us consent to check their credit score or acquire their details in CRB database(s) before or after advancing them a loan.

  9. To qualify for the loan, you need to pass our CRB check and have your national ID and mobile number validated against IPRS, Mpesa Account and CRB.

  10. For a complete listing of loan amounts, interest, transaction and penalty charges kindly refer to our loan/cost table on this website.

  11. We reserve the right to qualify and reject any loan application at our discretion.

Loan and Cost Table



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Meet The Team

Joyce Wangui

Co-Founder and MD of OkoaMia. She is a graduate in international business administration (Finance) from USIU. She runs other several successful businesses.

Samson Wachira

Co-Founder and head of strategy. He holds a masters in Integrated Engineering from the University of Liverpool. A technology enthusiast and entrepreneur. 


I sent them to my bae, transport mpaka home,right now we are having fun together at home

I dint not have money for transacting mpesa money for my mum so it was fixed so okoa mia helped me to have the transaction fee by lending me 100

bibi yangu akitaka kwenda hosi ilinisaindia sana



Tel: 0707 000 222

E2, Jasmine Center, Westlands

Nairobi, Kenya

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