iPesa loan app owned by Xcredit is a mobile money lender providing quick access to cash through M-Pesa.

iPesa Loans Features – Interest Rates, Loan Limits

The lender gives from KES 500 minimum loan to KES 50,000 as maximum loan amount within minutes. The approved loan is disbursed directly to the borrower’s M-Pesa account.

What is iPesa interest rate? The lender charges between 36% – 72% APR. In addition the lender charges a service fee of 36%.

Getting Started with iPesa Loans

How to download iPesa app APK and apply for loans? Here are the steps to follow;

  • Download iPesa from Google play store 
  • Create your account 
  • Take loan
  • Repay

iPesa loan USSD code 

The app doesn’t have a USSD code at the moment which means customers can only use the app to access services.

Is iPesa legit 

The app is legit. Many have received loans from this micro mobile lender.

iPesa website

The iPesa website is iPesa.cc

Who Owns iPesa 

The app is owned by Junjie Zhou and Elijah Ng’ang’a Ikahu who are the directors.

How To Pay iPesa loan through mpesa paybill number  

iPesa loan repayment duration ranges from 91 days to 180 days. Borrowers pay from within the app via M-Pesa Xpress or use iPesa MPesa paybill number as shown below; 

  • Go to mpesa menu
  • Select Lipa na mpesa
  • Select Paybill
  • Enter business number 192010 (iPesa paybill no)
  • Account number is your phone number 
  • Enter loan amount to pay
  • Enter mpesa pin 
  • Confirm and pay

iPesa Contacts 

To get help from iPesa customer care kindly check the number below. You can Contact iPesa (Xcredit) by Calling mobile  phone number; 

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0757 222 979