How to Apply For Umba Loan

Umba Loan App, Umba paybill number, Umba Loan, Umba, How to apply for Umba loan, How to pay Umba loan
Umba Loan App

Here is a simple guide on how to apply for Umba loan and how to pay Umba loan. Umba loan app, formerly known to many as Mkopo Kaka, is a money lending app in Kenya that gives loans to their clients at a low-interest rate.

The mobile loan app is a product of Beatha Technology and has more than 100k downloads on Google play store, with a rating of 4.4.

Umba loan app is only available to Kenyans and Ugandans.

Their loan amount ranges between Ksh. 250 and Ksh. 70,000 and interest rate between 1% and 15% p.m.

Umba loan repayment duration is between 1 to 12 months.

Umba Loan App Registration Process

  • Download Umba loan app on Google play store.
  • Click on “Apply for Loan with Facebook”.
  • You will be required to provide your National ID details.
  • Click on the x button of your screen.
  • Enter the details below:
  • First name
  • Surname
  • National ID number
  • Date of Birth
  • Gender
  • Click on “Apply Now” button
  • Click on “Allow SMS log permission”
  • Allow Umba loan app to send and view SMS messages
  • Click on “Accept Contacts permission”.
  • Allow Umba to access your contacts
  • Click on “Accept Phone state permissions”.
  • Allow Umba to make and manage phone calls.
  • Click on “Accept Location permissions”.
  • Allow Umba to access the location of your phone.
  • Set and verify email/phone number.
  • Set email.
  • A verification code will be sent to your email address. Enter and click submit.
  • Set phone number and choose country.
  • A confirmation code will be sent to your phone. Enter and click submit.

How to Apply For Umba Loan

  • Go to “Apply Loan”.
  • Choose loan type and proceed.
  • Enter loan amount.
  • Choose reason.
  • Click on apply now.
  • If the application is approved, the money will be sent to your M-Pesa account.

How to Pay Umba Loan

  • Go to M-Pesa menu on your mobile phone.
  • Choose Lipa na M-Pesa.
  • Select paybill option.
  • On the business number section, enter Umba paybill number 264130.
  • On the account number section, type Umba or your phone number.
  • Enter loan amount.
  • Key in your M-Pesa PIN and submit the information.
  • You will receive a confirmation message from Umba loan app and M-Pesa.

Umba Loan Contacts


READ :  How to apply for Stawika Loan

I hope that this post on how to apply for Umba loan and how to pay Umba loan has been of great help to you.


  1. I applied for a loan and the upp has continued running indicating that your trying to disburse my loan now it’s five days and that is even after paying my first loan early

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