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Welcome to Nyota Fund 2025! Interest rates now reduced to 12%
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Est. 2023 • Trusted by 250,000+ Kenyans

Quick Mobile Loans for Kenyans

Get up to KSh 100,000 instantly sent to your M-PESA account. No paperwork, no waiting.

Fast 5-min approval
24/7 disbursements
No collateral needed
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2025 rates from 12%
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KSh 35,000 • Emergency • Nairobi • 2 mins ago

100K+
Active users
5 min
Average approval
24/7
Service availability
4.8/5
Customer rating
Why Choose Us

Why Choose Nyota Fund?

We've revolutionized the loan process using advanced AI to help you get funds quickly and securely.

AI-Powered Approval

Get approved in minutes with our cutting-edge AI system that works 24/7 to process your application.

M-PESA Integration

Funds sent directly to your M-PESA account for immediate access with no additional transfer fees.

Biometric Security

Your data is encrypted and protected with state-of-the-art biometric verification technology.

Smart Credit Building

Our AI analyzes repayment patterns to boost your credit score and increase future loan limits.

How It Works

Get the funds you need in just three simple steps.

1

Apply Online

Fill out our simple application form with your details and desired loan amount.

Apply Online
2

Pay Facilitation Fee

Pay a one-time processing fee via M-PESA to activate your loan.

Pay Fee
3

Receive Funds

Get your loan amount sent directly to your M-PESA account within minutes.

Receive Funds
Apply Now
Customer Stories

What Our Customers Say

Don't just take our word for it. Here's what Kenyans are saying about Nyota Fund in 2025.

John Kamau

Nairobi, Kenya

Verified User

"I needed funds urgently for a medical emergency. Nyota Fund's biometric verification was amazingly fast, and I received money in my M-PESA within 3 minutes of approval. Their 2025 rates are the best in Kenya!"

April 2025

Wanjiku Muthoni

Mombasa, Kenya

Premium Member

"As a small business owner, Nyota Fund has been crucial for my growth. Their AI credit system has increased my loan limit to KSh 75,000 based on my payment history. The new mobile app is fantastic!"

March 2025

Daniel Ochieng

Kisumu, Kenya

Loyal Customer

"The 2025 interest rate reduction to 12% is incredible! I've used Nyota Fund for two years now, and their instant notification system and flexible repayment options have made them my first choice for loans."

February 2025
Join Our Satisfied Customers
Calculate Now

Loan Calculator

See exactly how much you'll pay back with our transparent 2025 loan terms.

Calculate Your Loan

KSh 1,000 KSh 100,000

Loan Summary

Loan Amount: KSh 5,000
Loan Duration: 7 Days
Interest (12%): KSh 600
Total Repayment: KSh 5,850

Funds are sent to your M-PESA account instantly after approval. 2025 rates include lower interest and enhanced security features.

Help Center

Frequently Asked Questions

Find answers to the most common questions about our 2025 loan services.