Get Money in Minutes
Quick loans through your mobile wallet – no paper work, no waiting.
Mobile loans allow you to borrow money using your phone with or without a bank account. There are two main types:
- Instant Mobile Money Loans (via telecom networks or apps)
Bank Mobile Loans (through banking apps or USSD)
How to Get a Loan in 3 Steps
It’s easier than you think!
1. Check Your Eligibility
Make sure you've been using mobile money for at least 3 months
2. Dial USSD Code
Use your provider's code to access loan services
3. Get Instant Money
Receive money directly in your mobile wallet
Quick links
Let’s face it — smartphones cost a lot these days, and most people just can’t drop the entire amount at once. That’s where Mogo Uganda …
Choose Your Loan Provider
Compare options and pick what works best for you
| Safaricom | M-Shwari | Dial *334# > Loans > M-Shwari |
| Safaricom | Fuliza (Overdraft) | Auto-deduction via M-Pesa |
| KCB Bank | KCB M-Pesa | (*522#), offering higher limits based on usage. |
Airtel Kenya | Airtel Money Loans | *222# > Loans (if available) |
In Kenya, mobile loans are offered through both telecom operators and banks, making it easy to access money right from your phone.
Be a registered mobile money user (e.g., M-Pesa)
Have active transaction history
Maintain good repayment record if using previous loans
Some providers may check credit score or phone usage data
These services are available 24/7 and funds are sent instantly to your M-Pesa account. Loan limits grow with responsible use
| MTN Uganda | Savings & Loans | Dial 165*5# |
| Airtel Uganda | Wewole | Dial *185*8# > Loans |
In Uganda, MTN and Airtel offer mobile loans directly through their mobile money platforms. MTN’s MoMoAdvance allows users to borrow instantly based on their MoMo usage, while Airtel’s Wewole service enables short-term loans accessed via USSD.
Be a registered mobile money user (e.g. MTN MoMo or Airtel)
Have active transaction history
Maintain good repayment record if using previous loans
Some providers may check credit score or phone usage data
The more you transact and repay on time, the higher your future loan limits grow.
| Safaricom | M-Shwari | Dial *334# > Loans > M-Shwari |
| Safaricom | Fuliza (Overdraft) | Auto-deduction via M-Pesa |
| KCB Bank | KCB M-Pesa | (*522#), offering higher limits based on usage. |
Airtel Kenya | Airtel Money Loans | *222# > Loans (if available) |
In Tanzania, users can access loans directly through telecom providers like Tigo and Airtel.
Tigo Nivushe and Airtel Timiza offer fast, low-barrier loans via simple USSD codes, making them accessible even to users without smartphones or bank accounts. Loan eligibility improves with usage and good repayment history.
How to Apply for a Mobile Loan
Here’s a simple example process using a mobile network service
Kenya (Using M-Shwari)
Dial **☎ *334# to access the M-Pesa services menu
Select Loans and Savings
Select M-Shwari
Tap Request Loan
Enter the desired loan amount (e.g., 1,000 KES)
Confirm using your M-Pesa PIN
Funds will be deposited into your M-Pesa wallet
Uganda (Using MTN MoMo)
Dial **☎ *165*5#
Choose MoMoAdvance or XtraCash
Follow prompts to confirm loan amount and approval
Receive funds instantly on your MTN mobile money account
Customer Support Contacts
| Provider | Country | Contact Method |
| Safaricom | Kenya | Dial 100 or visit Safaricom app |
| MTN | Uganda | Call 100 or visit nearest MTN service center |
| Airtel | Kenya/Uganda/Tanzania | Dial 121 or use Airtel app |
| KCB Bank | Kenya | Call 0711 087 000 |
| Equity Bank | Kenya | Call 0763 000 000 |
| CRDB | Tanzania | Call 0800 750 075 |