Upgrade your lifestyle with our affordable Product Financing

Loan Limits up to Ksh 300,000 to buy products at select retail shops – loans repayments spread over 3-12 months.

About Little Pesa
Product Financing

Loan Repayment spread over 3 – 12 months.

Loan Amount available up to Ksh 300,000

Competitive Interest Rates of 5% p.m. for 3 months, 4.5% p.m. for 6 months, 4% p.m. for 9 months and 3.5% p.m. for 12 months

No Processing Charges or Hidden Costs

10% Downpayment required

Our Partners

Sign in

- Input your PIN
- Choose Product Financing option.
- Click on ‘Apply’ Button.
- Request loan
– Your loan limit is displayed.

Supplier, Item Details, Loan Duration & Amount

- Select Supplier, input Item Details, Loan Duration and Amount.
- Confirm Terms & Conditions & Request loan.
- Confirmation Pop up comes- indicating Down payment & Monthly Instalment.

Loan Application and Product Delivery

- Click Apply, M-PESA Pop up for Down payment comes. After you have paid Down payment, you get a message confirming date and amount of monthly equated instalments.
- Your desired product is delivered to you!

Need Help with Product Financing?

Frequently Asked Questions

Please download the Little Pesa App from Google Play store or App Store and sign up. If you are already using Little Pesa App for Short Term loan limit, you just register for Product Financing on your App itself. 

After signing up, please send your ID Copy, latest Pay slip (if applicable), Bank and MPESA statements for the last 3 months. On approval, you will get an SMS from Little Pesa specifying your approved loan limit. In case of Rejection, you will also be advised. 

The account can be activated by entering your ID no. and mobile no.  Upon activation, you will receive One Time PIN (OTP) from Little Pesa and once you enter the said OTP, you will be prompted to change the PIN to four digits of your choice. In case, you are already active under our Short-Term Loan Product, you will not receive a new PIN on activation and the existing PIN will work for all the products.

3 Months –5% p.m.; 6 Months- 4.5% p.m.; 9 Months-4 % p.m.; 12 Months-3.5% p.m. 

Please press Product Financing button on your App and then Apply and select the Supplier, input item details, and the period and amount of loan. You will get an MPESA trigger to pay 10% of the amount of the loan applied as down payment which is adjusted towards your loan repayment. In case, the trigger does not come for any reason, you can make the down payment through our Repay button or through LIPA NA MPESA – Our Paybill no. 172555 Account no. your mobile no.  After you have made down payment, you can take delivery of the product. 

There is No Processing Fee or Hidden Charge.

You need to pay monthly equated instalment. It is computed taking into account principal plus interest minus down payment divided by number of months. e.g., if you apply for a loan of Ksh 100,000 for a period of 6 months, down payment is 10% i.e., Ksh 10,000 and monthly equated instalment is Ksh 19,500 i.e., 100,000 -10,000 +27,000/6. 

Our loan limits are fixed at maximum 200% of the Net Pay/Average monthly income subject to a maximum loan limit of Ksh 300,000. 

The loan balance is updated immediately you repay your loan and you become eligible for another loan within your loan limit. 

You can repay your loan by tapping Repay Loan Icon on our App’s Home screen. The instalment due can be repaid by tapping Full Repayment (instalment amount due) or Custom button (for partial or excess repayment).  Safaricom M-Pesa screen will appear in our App for you to enter your M-Pesa PIN and repay the loan. Additionally, you can repay your loan through our Paybill no. 172555 – your mobile no. will be your account no.

Yes. Prepayment of loan is allowed provided you have repaid interest for 3 months. In fact, 3 months interest is loaded to your account on availing the loan.

You shall be responsible for the insurance of the items to be purchased at your cost and in case of loss or damage of the items for whatsoever reasons, you shall not be absolved of your responsibility to repay the loan. 

If you are not able to repay the loan within the stipulated time, you shall be charged extra interest of 2% on the overdue amount.

In that case, the loan is considered as a Default and appropriate recovery proceedings will be initiated by the company.