Looking at LendPlus for a fast online loan in Kenya? This review breaks down how LendPlus works, who qualifies, real costs, and when it makes sense to use it. If you need quick cash to bridge short-term gaps via M-Pesa, here’s everything you should know before you apply.
Apply now with LendPlus – get a quick decision and instant M-Pesa funding.
LendPlus emergency loans
Apply now with LendPlus – get a quick decision and instant M-Pesa funding.
LendPlus is a Kenyan online/mobile lender focused on fast disbursements to M-Pesa with minimal paperwork.
Amount: KES 1,000–100,000 (new users often start at KES 500–15,000, repeat customers up to KES 100,000)
Term:5–90 days
Interest:from 0.9% per day (as advertised; exact rate shown in-app before you accept)
Decision & funding: decision in 1–15 minutes, money can arrive near-instantly to M-Pesa after approval
Eligibility: typically 28–62 years (some cases from 23), Kenyan resident, stable income, valid ID & mobile number
Coverage notes: not available in specific counties (e.g., Nyamira, Narok, Kisii, Baringo, Kitui, Bungoma, Makueni, Nyeri, Tharaka-Nithi)
Won’t lend to: applicants with bad credit, no/low income, heavily over-leveraged, unemployed students, or no credit history
This product is designed for short-term emergencies (medical, repairs, bills) rather than long-term financing.
Key features of LendPlus in September 2025
Rapid approval: app/online decisions in minutes
Fully digital: apply anywhere; no branch visit
Clear flow: rate/fees shown before you accept
Flexible limits: limits can grow with good repayment
Extension option: you may prolong the due date (fees apply)
Advantages ✅
Very fast: decisions in 1–15 minutes and instant M-Pesa disbursement after approval
Simple onboarding:ID + phone, no collateral
Transparent checkout: see total cost in the app before accepting
Limit growth: on-time repayments can unlock higher limits over time
Payment flexibility: extension options if you request before due date
Disadvantages ❌
High daily cost:0.9%+/day is expensive if rolled over
Short terms:5–90 days requires disciplined repayment
Strict eligibility: stable income & age range (typically 28–62)
County exclusions: not available in several counties (listed above)
Practical takeaway: Great for an urgent, planned shortfall you can repay on time. Costly if you roll or extend repeatedly.
How to apply for LendPlus in 2025?
Open the app / website – Create your profile and choose the amount (KES 1,000–100,000) and term (5–90 days).
Fill the form & verify – Enter personal details, National ID, income info, and your M-Pesa number.
Get a decision – Most decisions arrive within 1–15 minutes.
Receive funds – After acceptance, LendPlus sends money to M-Pesa, often within a minute.
Repay / extend – Repay via M-Pesa or bank; if needed, request a due-date extension in the app (extra cost applies).
Expert opinion
LendPlus fits short, urgent needs where speed beats price e.g., medical fees, utilities, repairs. If you can repay on the first due date, it’s a convenient bridge. If you expect to roll over or extend, total cost rises quickly; at that point, compare lower-APR personal loans or employer salary advances.
Borrow only what you can repay on time, ideally from your next income.
Read the in-app disclosure: check rate, fees, total before accepting.
Avoid serial extensions: they compound costs; repay early if you can.
Protect your limit/score: on-time payments can increase your future limit at lower stress.
Verdict about LendPlus in 2025
LendPlus is a fast, mobile-first solution for short-term cash in Kenya. Use it when speed matters and you have a clear plan to repay. For longer terms or bigger amounts, compare alternatives with lower APR.
Frequently asked questions (FAQs) about LendPlus❓
How fast is LendPlus funding❓
Most applicants get a decision in 1-15 minutes. Once approved and accepted, funds can hit M-Pesa almost instantly (network/bank times may vary).
What are the loan limits❓
New users often start at KES 500-15,000. With good repayment history, limits can rise up to KES 100,000. Your exact limit depends on income and risk checks.
What are the interest and fees❓
Rates start from 0.9% per day. The app shows your total cost (interest + any fees) before you accept. Extensions incur additional cost.
Who is eligible❓
Kenyan residents, typically 28–62 years (some cases from 23), with stable income, National ID, and an active mobile/M-Pesa number. LendPlus does not lend to applicants with bad credit, no income, or heavy indebtedness.
How do I repay❓
Repay via M-Pesa or bank per the instructions in your profile. Repaying on time helps increase your future limit; late/partial payments add cost.
Can I extend my due date❓
Yes, LendPlus allows prolongation in the app. Request before your due date and review the extra charges disclosed in-app.
Is LendPlus safe in Kenya❓
LendPlus states it uses data protection and secure processing. Always apply only via the official app/website and never share your PIN/OTP with anyone.
Where is LendPlus unavailable in Kenya❓
Service is reported as unavailable in certain counties (e.g., Nyamira, Narok, Kisii, Baringo, Kitui, Bungoma, Makueni, Nyeri, Tharaka-Nithi).
