How to repay a Hustler Fund loan (2026): *254#, auto-repay, and savings

The Hustler Fund (officially the Financial Inclusion Fund) is a government credit line accessed on *254#. Because it is a government product rather than a bank or app, you repay it from that same menu, not through a Pay Bill. Repaying matters for more than clearing the debt, it drives your limit and releases your savings.

There is no Hustler Fund paybill

Searches for a Hustler Fund paybill come up empty because there is not one. Everything happens on *254#.

Repay on *254#

1. Dial *254#.
2. Choose Loan, then Repay.
3. Choose to repay from your M-PESA balance and enter the amount.
4. Enter your M-PESA PIN and confirm.

You can repay part or all before the term ends. Early repayment is fine and does not carry a penalty.

Auto-repay

You can opt into auto-repay from the menu, which lets the Fund pull from your M-PESA wallet toward the balance. This is the simplest way to avoid missing the term and hurting your limit.

Why repaying matters here

Two things happen when you repay a Hustler Fund loan on time. First, your borrowing limit grows, the Fund rewards clean repayment history with a higher ceiling. Second, 5 percent of every loan is saved on your behalf (split between a short-term and a long-term pension pot), and staying in good standing is what keeps that savings building and eventually accessible. Defaulting freezes both.

If you are already behind

If you missed the term, repay the outstanding amount on *254# as soon as you can. The Fund has run periodic waiver and restructure windows for defaulters, so check the current terms in the menu. Clearing the balance restarts your eligibility.

Cost

There is no M-PESA Pay Bill fee to repay on *254#. You pay the principal plus the Fund's flat interest (an 8 percent per year rate on the standard product), not a transaction charge.

Frequently asked questions

What is the Hustler Fund paybill?

There is not one. You repay a Hustler Fund loan on the *254# menu (Loan, then Repay), not through a Pay Bill number.

How do I repay my Hustler Fund loan?

Dial *254#, choose Loan, then Repay, enter the amount, and confirm with your M-PESA PIN. You can also opt into auto-repay.

Does repaying the Hustler Fund raise my limit?

Yes. On-time repayment grows your borrowing limit and keeps the 5 percent savings portion building.

Is there a penalty for repaying the Hustler Fund early?

No. You can repay part or all before the term ends with no penalty.

Resources

• See our Hustler Fund review 2026 and what to do if the Hustler Fund lists you on CRB.
• For the savings side, read Hustler Fund savings withdrawal.