Ksh.109.8 billion disbursed by licensed digital lenders in 2025
NAIROBI, Kenya, January 14, 2026 — As Kenyan households and small businesses grapple with rising living expenses and irregular cash flows, digital lending platforms are becoming a critical source of short-term financing. Mobile-based loans are increasingly shaping how families, traders, and workers access quick and convenient credit.
Faulu Bank has expanded access to instant mobile loans, enabling eligible customers to borrow up to Ksh.100,000 directly on their mobile phones through USSD and app-based platforms. The service removes the need for banking hall visits or paperwork, offering a seamless digital borrowing experience.
The mobile loan targets traders, salaried, and non-salaried customers and is accessible via *339# or through the Faulu DigiCash App. Approved loans are disbursed instantly, with repayments managed fully through digital channels.
“Customers increasingly value financial services that fit into their daily lives,” said Faulu Bank Chief Executive Officer Julius Ouma. “Speed, convenience, and accessibility are no longer optional, which is why we continue to shift towards mobile-first banking solutions.”
The rollout of Faulu’s instant mobile loans comes amid rapid growth in Kenya’s digital lending sector. CBK data shows licensed digital lenders issued loans worth Ksh.109.8 billion between January and November 2025, reflecting strong demand for quick and flexible credit options.
Beyond mobile loans, Faulu Bank offers a range of short-term digital financing products, including Salary Advance, Asset Finance, Working Capital, Landlord Loans, and Emergency Check-off Loans for customers with employer arrangements. These products are designed to meet diverse income levels and financial needs.
Faulu Bank says the expansion of its digital loan portfolio is part of a broader strategy to enhance financial inclusion, improve access to affordable credit, and support households and small businesses through technology-driven solutions.
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