Calculator
M-PESA Taasi Loan Calculator (Kenya, 2026)
KES 20,000 Taasi for 7 days costs KES 624 in fees, so you repay KES 20,624. That is about 163% a year if you borrowed like this all year. Fees are from Safaricom's Taasi page. Below: the fee table, a worked example and a calculator for your own amount.
Worked example: KES 20,000 Taasi for 7 days
| Loan amount | KES 20,000 |
| Term | 7 days |
| Access fee (3.12% for 7 days) | KES 624 |
| Total repayable | KES 20,624 |
| Effective APR | 163% |
The access fee is charged once, when you take the loan. There is no daily interest while the loan is within its term. The yearly figure only shows what the fee would add up to if you borrowed like this all year.
Taasi fees by term (KES 20,000 example)
| Term | Access fee | On KES 20,000 | Roll over fee if late |
|---|---|---|---|
| 1 day | 0.48% | KES 96 | 0.48% |
| 7 days | 3.12% | KES 624 | 3% |
| 21 days | 9.12% | KES 1,824 | 6% |
Source: Safaricom's Taasi Till Loan page, read 30 October 2026. Asante is currently the lender. If a loan stays unpaid after the roll over period, a penalty of 0.72% a day applies for up to 60 days.
Who can borrow and how
Taasi is for Lipa na M-PESA Buy Goods merchants on the Business Till whose till has been active for at least 90 days. You borrow KES 100 to KES 200,000, and the limit depends on how much the till receives and how you have repaid before. You can hold only one Taasi loan at a time.
Everything runs on *234# from the till's nominated number: M-PESA Business Till, your store number, Taasi Till Loans, Access Loans from our Partners, then the partner. From there you opt in, check your limit, request a loan and repay it, in full or in part.
Best use: a restock you will earn back within days. The 1-day and 7-day loans are cheap for that. The 21-day loan costs 9.12%, so for longer gaps compare it with an overdraft or a business loan.
Try your own numbers
Enter a loan amount and term. Taasi offers 1, 7 or 21 days, so any other number of days is priced at the next term up.
KES
days
Taasi offers 1, 7 or 21 days; other values are priced at the next term up.
Result
Total repayment
KES 51,560
Facility fee
KES 1,560
Effective APR
162.69%
Effective APR · M-PESA Taasi
~163%/yr
Published as one-off access fee: 3.12% for 7 days, but annualised that's ~163% APR, the headline rate hides the true cost.
A one-off fee is cheap in shillings for a short bridge, but expensive if you borrow again every week. Late payment adds a roll over fee and then 0.72% a day.
Cheaper alternatives at this term
- Supplier credit: often free, so ask your supplier first
- Fuliza Biashara on the Business Till
- A bank or SACCO business overdraft for gaps longer than a few weeks
What is the M-PESA Taasi Till Loan?
A short loan for M-PESA Business Till merchants, offered by Safaricom with Asante. You can borrow KES 100 to KES 200,000 for 1, 7 or 21 days, and the money goes straight to your Business Till account.
How much does a Taasi loan cost?
A one-off access fee set by the term: 0.48% for 1 day, 3.12% for 7 days and 9.12% for 21 days. If you miss the due date, a roll over fee of 0.48%, 3% or 6% is added, and after the roll over period a penalty of 0.72% a day for up to 60 days.
What does KES 20,000 for 7 days cost?
KES 624 in access fees (3.12%), so you repay KES 20,624.
Who qualifies for Taasi?
Lipa na M-PESA Buy Goods merchants using the Business Till, whose till has been active for at least 90 days. Your limit is based on how much the till receives and on your repayment history. A CRB listing or an unpaid Taasi loan can get a request declined.
How do I borrow and repay?
Dial *234# from the nominated number, choose M-PESA Business Till, enter your store number, then Taasi Till Loans, Access Loans from our Partners and the partner. From there you can opt in, check your limit, request a loan and pay it back.