Hustler Fund calculator

The Hustler Fund is the cheapest legitimate digital credit in Kenya at 8% per annum. See exactly how much interest you pay and what lands in your M-PESA after the 5% savings deduction.

Loan amount

KES

Term (days)

days

Standard term is 14 days.

Result

Interest (8% APR)

KES 15

To savings (5%)

KES 250

Cash to your M-PESA

KES 4,750

Total to repay

KES 5,015

How Hustler Fund pricing works

Hustler Fund charges 8% per annum, prorated to the days you hold the loan. So a KES 5,000 loan for 14 days costs about KES 15 in interest, dramatically cheaper than M-Shwari (KES 375) or Tala (KES 750+) for the same loan.

5% of the loan goes into a mandatory savings pot which earns 7% per annum. This is your money, but it is locked in a Hustler Fund account. The cash you receive in M-PESA is the loan amount minus this 5%.

How to apply

Dial *254# from any registered Safaricom line
Pay KES 50 one-off registration fee (first time only)
Choose Loan, select amount up to your assigned limit
Funds disburse to M-PESA within minutes (subject to system load)
Repay automatically from M-PESA on day 14

Frequently asked

Is Hustler Fund really cheaper than M-Shwari?

Yes, by a wide margin. M-Shwari charges 7.5% per 30 days versus Hustler Fund's 8% per year. On a KES 5,000 loan the difference is roughly KES 360 cheaper on Hustler Fund.

Can I borrow more than KES 50,000?

No. Hustler Fund is capped at KES 50,000 for top-tier users. Most start at KES 500 to 1,500. Limits grow with successful repayment history.

Does Hustler Fund report to CRB?

No. Hustler Fund does not currently report to Credit Reference Bureaus. However, missed repayments affect future Hustler Fund eligibility.