Tuma Loan
Loan amoun
Ksh 1,000 - Ksh 60,000
Loan term
91 - 360 days
Fire Loan interest rate
(APR): 18% - 36%
Loan service fees
Ksh 1000
Registration requirements
18 years old
Payment support
Online payment
Information
Registered Operating Area
Operating in Kenya
Registration Age Requirement
From 18 to 60 years old
Income Requirement
Monthly income is required to repay the loan
Phone Number Requirement
Personal phone number information must be provided
Repayment Method
Fast online repayment
Document Requirement
All required documents as requested by the app must be provided
First-Time Loan Amount
KES 1,000 – KES 60,000
First Loan Interest Rate
First loan interest rate: 19% per month
New Customer Promotion
Interest-free loans for the first 10 days
Loan Interest Rate
APR: 18% – 36%
Loan Term
Loan terms from 91 to 360 days
Approval Time
Loan approval on the same day
Loan Service Fee
Service fee ranges from KES 500 to KES 1,000
Late Payment Fee
Late payment penalty of KES 700 per day
Tuma Loan is a reliable online cash loan service designed for people in Kenya, created to meet fast, secure, and flexible financial needs. With a smart and streamlined process, you can complete your loan application in just 3 minutes and receive funds directly into your M-PESA accountno waiting and no complicated procedures.
Why Apply for a Tuma Loan?
- Ultra-fast application: 100% online, completed in approximately 3 minutes
- Instant disbursement: Funds are transferred immediately to your M-PESA wallet
- Full transparency: No hidden fees, with clear and straightforward terms
- 24/7 availability: Apply for a loan anytime, anywhere
- Safe & secure: Fully compliant with Kenya’s Data Protection Act
How to Apply for a Tuma Loan
- Download the Tuma Loan app
- Fill out a simple application form
- Get approved within minutes
- Receive funds instantly in your M-PESA account

Key Features
- Apply anytime, anywhere no paperwork and no face-to-face meetings
- Secure approval process with high-level data protection
- Flexible repayment options, supporting both online and offline payments
- Timely repayment reminders to help you avoid late payments
See more:
Loan Calculator
Based on the loan amount
Enter all the required parameters into the calculator to get an accurate monthly payment along with a visual representation of the interest percentage
I want to borrow
Term / Days
%/day
Loan Amount
10 000 000
$
Interest
70 000
$
Total Repayment
10 070 000
$
Annual Interest Rate
18
%
Number of Loans
Author:
Sabiha Sathi
Sabiha Sathi is an experienced financial expert in the fields of credit and lending, currently serving as the Content Manager for the website. With a user-centric approach, she focuses on sharing carefully curated information about trustworthy online loan applications and is committed to delivering clear, fast, and effective borrowing solutions tailored to specific financial needs.
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