Frequently asked
questions
Our current loanable amounts for first-time applicants range from KSH 2,000 to KSH 50,000. Repeat borrowers in good standing can borrow up to KSH 1,000,000.
You can pay your loan through these 2-payment options.
- Online Banking
- E-wallet
Choose your desired payment option and channel then follow the instructions.
For fees and interest, study the terms and conditions and the disclosure statement before proceeding with the loan transaction.
Strictly pay your loan through our accredited Payment Channels in our app. We do not collect payments via SMS and messenger. If you have received a message that collects payment thru the said platform, please report this immediately to us.
To apply for a loan with InstarCash, kindly follow these easy steps:
- Navigate the online calculator to choose the desired loan amount and loan term in homepage of the mobile application.
- Fill out all the required details correctly and accurately.
- Wait for approval. We will send you SMS for confirmation or we might call you for verification.
Customers must be:
- Between 18 to 76 years old.
- Currently employed or with a steady source of income.
- Have a national ID.
- All customers should have a valid Bank or E-Wallet account.
After the SMS for the approval, we will send you another one regarding the details of your loan and the total amount that you need to settle. Also, 1 days before your assigned due date we will send remainder of payments with the total amount due. You can also check the billing page in the mobile application.
SMS will be sent to you once your payment is already posted on your account. Also, you can check your billing page in the mobile application.
Sorry for the inconvenience. First double-check the indicated mobile number, then you can click the resend button every 1 minute interval time.
We will notify you through SMS once your application was approved and another one once loan was successfully disbursed into your account.
We are sorry that your application was declined. We have not disclosed the reason for approving and disapproving loan application. You can still try to re-apply after 3 days.
We will disburse the loan to your account in less than 10 mins after you get approved.
You will be informed via SMS. You can see the disbursement channel on the last step of your application.
If you experience any delay in collecting your approved loan, please refer to the processing time of disbursement. You can also coordinate with your bank to check your account.
You can also contact us and send us a message to check your account.
Our good standing customers are enjoying the benefits of Installment Loan service. Always settle your loan on time and soon you'll get an installment offer with a better interest rate and term.
For customers who don't have a bank account, you need to activate your bank account or e-wallet account first.
Thank you for continuing to trust us in providing you with your immediate financial needs. We welcome Repeat Loans. If you are a borrower with good payment standing, we make it very easy for you to re-loan. Just click the "BORROW" button on our app or use a link in the SMS.
InstarCash strictly complies with data protection and privacy regulations. Rest assured that all information provided will be respected, safely kept, and will not be used for any fraudulent activity or unauthorized action.
