KCB M-PESA Loan Calculator Kenya 2026

Calculate your KCB M-PESA 30-day loan (9.06% facility fee) and compare with M-Shwari, Tala and Timiza. See fees, amount received and due date instantly.

KCB M-PESA (30 days): Flat facility fee of 9.06% on the loan amount. You receive the full loan — no charges deducted upfront.

1,000 5,000 10,000 20,000 50,000
We add 30 days to show your exact due date.
Please enter a valid loan amount and date.

M-Shwari (30 days): 7.5% facility fee + 20% excise on the facility fee. Excise is deducted upfront — you receive less than the loan amount.

1,000 5,000 10,000 20,000 50,000
Please enter a valid loan amount and date.

Tala (1–61 days): Interest accrues daily at the rate shown in your Tala app. Repaying early reduces the total interest charged.

1,000 5,000 10,000 30,000
Minimum 1 day, maximum 61 days.
Typically 0.3%–0.6% per day. Check your Tala app offer.
Please enter a valid amount, date, days and daily rate.

Timiza (30 days): Access fee + 20% excise on the access fee. Excise is deducted upfront — you receive less than the loan amount.

1,000 5,000 10,000 50,000
Please enter a valid loan amount and date.

Loan Results

KCB M-PESA Loan (30 Days)
Total Repayable
KES 0.00
principal + facility fee
Amount You Receive
KES 0.00
full loan — no upfront deduction
Facility Fee (9.06%)
KES 0.00
Due Date (30 days)
—
—

Step-by-step breakdown

Loan principal KES 0.00
Facility fee (9.06% of principal) KES 0.00
Amount credited to your account KES 0.00
= Total repayable in 30 days KES 0.00

💡 Borrower Tips — KCB M-PESA

✅ KCB M-PESA disburses the full loan amount — unlike M-Shwari and Timiza, no excise duty is deducted upfront from your disbursement.
📅 Repay before the due date to protect your CRB credit score. Late repayment may restrict access to future mobile loans.
⚠️ At 9.06% for 30 days, the effective annual rate exceeds 108%. Only borrow what you can comfortably repay within the month.

KCB M-PESA: flat 9.06% facility fee for 30 days. No excise deducted upfront — you receive the full loan amount.

M-Shwari Loan (30 Days)
Total Repayable
KES 0.00
principal + facility fee
Amount You Receive
KES 0.00
loan minus excise deducted upfront
Facility Fee (7.5%)
KES 0.00
Excise Duty (20% of fee)
KES 0.00
deducted upfront
Due Date (30 days)
—
—
Total Charges (Fee + Excise)
KES 0.00

Step-by-step breakdown

Loan principal KES 0.00
Facility fee (7.5% of principal) KES 0.00
Excise duty (20% of facility fee) KES 0.00
Amount credited to M-PESA KES 0.00
= Total repayable in 30 days KES 0.00

M-Shwari: 7.5% facility fee + 20% excise on fee (excise deducted upfront). Repay principal + facility fee after 30 days.

Tala Loan
Total Repayable
KES 0.00
Total Interest
KES 0.00
Daily Interest Cost
KES 0.00
Due Date
—
—

Step-by-step breakdown

Loan principal KES 0.00
Daily rate 0.6%
Loan term 30 days
Daily interest cost KES 0.00
Total interest (rate × principal × days) KES 0.00
= Total repayable KES 0.00

Tala: interest accrues daily — repaying early reduces total interest. At 0.6%/day the effective annual rate exceeds 200%.

Timiza Loan (30 Days)
Total Repayable
KES 0.00
principal + access fee
Amount You Receive
KES 0.00
loan minus excise deducted upfront
Access Fee
KES 0.00
—
Excise Duty (20% of fee)
KES 0.00
deducted upfront
Due Date (30 days)
—
—
Total Charges (Fee + Excise)
KES 0.00

Step-by-step breakdown

Loan principal KES 0.00
Access fee (—% of principal) KES 0.00
Excise duty (20% of access fee) KES 0.00
Amount credited to M-PESA KES 0.00
= Total repayable in 30 days KES 0.00

Timiza: access fee + 20% excise on fee (excise deducted upfront). Repay principal + access fee after 30 days.

Loan rates at a glance
KCB M-PESA: 9.06% flat (30d) — full amount disbursed  |  M-Shwari: 7.5% + 20% excise (30d)
Tala: ~0.3–0.6%/day (1–61d)  |  Timiza: access fee + 20% excise (30d)
Default on any = CRB listing. Check your credit at creditinfo.co.ke