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Stawika Loan App: Fast and Easy Loan Access

Stawika Loan App, a brainchild of Stawika Capital Limited, is designed to offer instant emergency loans to anyone with an active Mpesa line and a national ID age above 18 years. Once the app is installed, borrowers can receive loans within five minutes. Existing Stawika customers also have the option to borrow or repay loans via the Stawika Loan App USSD code *872#. The interest rate charged ranges from 7% to 21%, depending on the amount borrowed and the loan term. Borrowers may apply for loans ranging from Ksh. 500 to Ksh. 70,000.

How to Download Stawika Loan App Apk and Apply for Loan

To download, register, and apply for a loan using Stawika app, follow these steps:

  • Search and install the Stawika loan app from Google Play Store.
  • Accept the terms and conditions.
  • Enter your M-Pesa phone number.
  • Verify the OTP code sent to your phone number.
  • Set your password or PIN.
  • Key in your personal details, and your next of kin’s phone number.

To apply for a loan, sign in using your registered password and phone number, press the “View Loan Limit” button, and apply for a loan within your limit. The loan amount will be sent directly to your M-Pesa number.

How to Repay And Increase Your Stawika Loan Limit

To repay the Stawika loan, go to the Safaricom SIM toolkit, select M-Pesa, Lipa na M-Pesa, Paybill, Stawika business number 830685, and enter the mobile number used to borrow the loan in the account number field. Next, enter the amount you wish to repay, M-Pesa PIN, confirm the details, and send.

If you wish to increase your borrowing limit, Stawika uses your phone’s data and CRB credit history to determine creditworthiness. You can increase your loan limit by keeping essential mobile payment messages, repaying your loan on time, and always having the Stawika mobile application installed on your phone.

Stawika Loan App Contacts

If you need to contact Stawika customer care, you can reach them via phone number 020 7608940, email, Facebook page @stawika capital, Twitter handle @stawika, or contact form available on Stawika’s website,



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