Skip to content
paybillke
Lending

All USSD loan codes in Kenya (2026): the comprehensive list

Every USSD short code for a mobile loan in Kenya in one place, with what each does.

AO
by Reviewed by Michael Mwangi 10 min read Updated 26 August 2026Verified 26 Aug 2026

Hustler Fund

Dial *254# from a registered Safaricom line. Opt in on first use. Menu leads to the loan application, savings pot balance, and repayment. See our Hustler Fund USSD guide.

M-PESA loans menu

Dial *334# for the M-PESA menu, then Loans and Savings. Options include:

  • M-Shwari. NCBA product; loan sizes up to about KES 100,000.
  • KCB M-PESA. KCB product; higher ceiling for established users.
  • Fuliza. Overdraft on M-PESA; not accessed as a discrete loan menu, engages automatically when you attempt to overspend.

KCB M-PESA

Access via M-PESA menu *334# > Loans and Savings > KCB M-PESA. First-time users accept KCB terms; existing users see current limit and can borrow. See KCB M-PESA USSD detail.

M-Shwari

Access via M-PESA menu *334# > Loans and Savings > M-Shwari > Loan. See M-Shwari USSD detail.

Fuliza

Dial *334# from a Safaricom line, then Loans and Savings, then Fuliza (opt in, check limit, opt out). Fuliza itself engages automatically when you attempt an M-PESA transaction that exceeds your balance. See Fuliza USSD detail.

Absa Timiza

Dial *848#. Menu covers loan, savings, insurance, and airtime. See Absa Timiza USSD detail.

Equity Eazzy

Dial *247# for the Equity Eazzy Banking menu; loans sit inside the menu. See Equity Eazzy USSD detail.

Co-operative Bank M-Co-op Cash and Msamaria

Dial *667# for the Co-op Bank M-Co-op Cash menu. Msamaria (emergency loan) and other Co-op loan products sit inside. See Co-op Msamaria USSD detail.

Other lenders with USSD access

  • NCBA Loop. Verify current USSD short code on ncbagroup.com.
  • Stanbic Fixa. Verify on stanbicbank.co.ke.
  • DTB. Verify on dtbafrica.com.
  • Family Bank Pesa Pap. Verify on familybank.co.ke.

The specific USSD codes for smaller-bank products change periodically; the bank customer-care line is the fastest way to verify.

Practical use tips

  • USSD sessions time out. Prepare your PIN and confirm the transaction quickly.
  • Some codes only work on the underlying network (Safaricom vs Airtel vs Telkom).
  • If the code fails repeatedly, network congestion is usually the cause; try again off-peak.
  • Never share your USSD PIN with anyone.

Sources

  1. Safaricom PLC. M-PESA menu codes as published on safaricom.co.ke.
  2. KCB Bank Kenya, NCBA Bank Kenya, Absa Bank Kenya, Equity Bank Kenya, Co-operative Bank of Kenya, and other banks. Product terms and USSD codes as published on respective bank sites.
  3. Verify current codes before use; occasional changes happen with product rebrands.

FAQ

What is the Hustler Fund USSD code?

*254# from a registered Safaricom line.

What is the M-PESA loans USSD?

Dial *334# for M-PESA menu; select Loans and Savings, then the specific product (M-Shwari, KCB M-PESA, or others as listed).

What is the KCB M-PESA USSD?

Access via M-PESA menu *334# > Loans and Savings > KCB M-PESA. There is no separate KCB M-PESA short code; the product sits in the M-PESA menu.

Does Airtel Money have USSD loans?

Airtel Money offers loan-adjacent products; verify current availability by dialling *334# on an Airtel line and checking the menu.

Further reading

Curated external sources we cite. Open in a new tab.