Calculator
M-PESA Taasi Loan Calculator (Kenya, 2026)
KES 20,000 Taasi for 7 days ≈ KES 400 facility fee, KES 20,400 total repayable. Effective APR roughly 104%, normal for short-tenor merchant credit. Below: the facility-fee band table, the worked example, and an interactive widget for any loan amount and term.
Worked example: KES 20,000 Taasi for 7 days
| Loan amount | KES 20,000 |
| Term | 7 days |
| Facility fee (~ 2% for 7-day term) | KES 400 |
| Total repayable | KES 20,400 |
| Effective APR | 104% |
Facility fee is a one-off charge on the loan principal. No daily interest, no compounding. Effective APR is a normalisation of the short-tenor fee against 365 days; it looks high because short-tenor merchant credit always does.
Facility fee by term (KES 20,000 example)
| Term | Approx facility fee | On KES 20,000 |
|---|---|---|
| 7 days | ~ 2% | KES 400 |
| 14 days | ~ 3.5% | KES 700 |
| 21 days | ~ 5% | KES 1,000 |
| 30 days | ~ 6% | KES 1,200 |
Percentages are typical Safaricom Taasi tiers, indicative; your actual offer depends on your Safaricom-assigned merchant credit score and transaction history. Verified against Safaricom Taasi merchant channel notes 30 August 2026. The in-app prompt is authoritative for any specific loan.
How Taasi works and when it fits
Taasi is a short-term working-capital loan for M-PESA merchants (paybill and buy-goods till operators). Safaricom pre-approves eligible merchants based on transaction volume and consistency; if you qualify you see the Taasi option in your merchant M-PESA menu. Non-qualifying merchants do not see the option at all.
Repayment is automatic: Safaricom deducts a percentage of daily collections into the merchant account until the facility clears. Most 7-day facilities clear organically within the 7 days for merchants with steady daily collections. Missed clearance triggers overdue fees and freezes further Taasi eligibility until the balance clears.
Best use: bridging a supplier restock or a payroll shortfall that will be reversed by incoming customer payments within days. Poor use: extended working capital, wage rolls without matching inbound collections, expansion capex. For those, use a bank facility.
Try your own numbers
Enter any Taasi loan amount and term in days. Effective APR is computed on the facility fee against the term length.
KES
days
Typical Taasi term is 7 days.
Result
Total repayment
KES 52,500
Facility fee
KES 2,500
Effective APR
260.71%
Effective APR · M-PESA Taasi
~104%/yr
Published as one-off facility fee scaled by term (~2% for 7 days), but annualised that's ~104% APR, the headline rate hides the true cost.
Taasi is priced as short-tenor merchant credit. The facility-fee model gives low absolute cost for a genuine 3-7 day bridge, but high annualised APR if held longer. Above 30 days a bank overdraft becomes cheaper.
Cheaper alternatives at this term
- Equity Eazzy Biz overdraft: prime plus a margin, structured for weeks to months
- KCB Biashara loan: 14-16% p.a. reducing balance, structured repayment
- Supplier credit: usually free, negotiate first
- Merchant cash advance from your bank: comparable pricing to Taasi
What is M-PESA Taasi?
Taasi is a short-term loan for M-PESA merchants (paybill and buy-goods till operators). Loan amount is disbursed to the merchant's M-PESA account; repayment is a percentage of daily collections until the facility clears, or a fixed date at the end of term.
How much does a Taasi loan cost?
A one-off facility fee scaled by term. Typical 7-day facility fee is roughly 2% of the loan amount; 14-day is roughly 3.5%; 30-day is roughly 6%. No compounding, no daily interest. Effective APR climbs steeply as term shortens, which is normal for merchant cash advances.
What does KES 20,000 Taasi for 7 days cost?
Approximately KES 400 facility fee (2% of KES 20,000). Total repayable KES 20,400. Effective APR over the 7-day term is roughly 104% (short-term product pricing).
Who is eligible for Taasi?
Active M-PESA merchants (paybill or till) with a documented transaction history and Safaricom-assigned merchant credit score. Safaricom pre-qualifies merchants; you either see the Taasi option in your merchant M-PESA menu or you do not.
How does Taasi repayment work?
Safaricom auto-deducts a percentage of daily collections into the M-PESA merchant account until the facility clears. Most merchants clear a 7-day facility within the 7 days without extra action. Missed clearance triggers overdue fees and freezes further Taasi eligibility.
Is Taasi cheaper than a bank overdraft?
For under 7 days, yes, usually. For 30+ days a bank overdraft or Equity Eazzy Biz is cheaper. Taasi is priced as short-tenor merchant credit; the shorter the term, the better the value.