Borrow from the Hustler Fund (Financial Inclusion Fund)
Financial Inclusion Fund · sources read 30 Sep 2026
Dial *254# (or use the Hustler Fund mini app in your mobile money app) to borrow KSh 100 to KSh 50,000 with no collateral. Repay within 14 days at 8% a year.
- Fee
- We couldn't confirm a fee from the official page. Check it there before you pay.
- How long
- Approval comes within seconds
- Deadline
- Repay the personal loan within 14 days
- Where
- On your phone via USSD *254# or the Hustler Fund mini app in your mobile money app
What you need
- A valid national ID
Steps
- Dial *254# on your phone, or open the Hustler Fund mini app inside your mobile money app.
- Choose to request a loan and enter the amount. You get an answer within seconds.
- 95% of the loan lands in your mobile money wallet. The other 5% goes to your Hustler Fund savings.
- Repay from your mobile money: dial *254#, then Repay Loan, Pay for Self, and pay in full or in part. You can also repay on the mini app.
Watch out
- Paying more than 14 days late raises the interest from 8% to 9.5% a year. Paying on time grows your limit.
- A loan taken by mistake can't be reversed. You just have to repay it.
- Of the 5% saved, 70% goes to long-term (pension) savings and 30% to short-term savings. You can only withdraw the short-term part once the loan is cleared.
Who can apply
- Kenyan citizens aged 18 or older
- Registered on M-Pesa, Airtel Money or T-Kash
- Your SIM card has been active for at least 90 days
Official sources (3)
- Personal Loan hustlerfund.go.ke · read 30 Sep 2026
- FAQs hustlerfund.go.ke · read 30 Sep 2026
- Mandatory Savings hustlerfund.go.ke · read 30 Sep 2026