Opesa Loan App

C

Cassey Tash

Lister
Opesa loans are offered by TK limited in Kenya. They offer soft loans to their customers ranging from as little as Sh2,000 to Sh30,000 within a period of 14days from the date that the loan will be disbursed to your mobile money account.

In order for a borrower to be eligible for a loan from Opesa, their credit score should be good and should not be listed with the available CRBs in Kenya. The loan are offered with an interest from 16.8% depending with the amount borrowed.

Opesa includes a charge fee on approved loans, including lateness fee everyday until the loan is repaid.

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Requirements to access Opesa loans

  • A smartphone - Android
  • National Identification number
  • A registered Safaricom number
  • Internet access
How to get Opesa Loan App

  • Go to google play store and search for Opesa Loan App(Ensure your mobile data or WiFi is on)
  • Select an item with an authentic Opesa logo as shown in the picture above
  • Click on install to allow the app to download.
  • Once it has fully downloaded, click on open to access the app
On the home page of the app, allow Opesa to access your mobile data, phone number, text messages, location and photo. With granting Opesa this permission you allow them to call and send text messages on your phone.

Proceed to registration by filling in the provided mandatory spaces. This include;
  • Your full names as they appear on National ID
  • National ID number
  • Date of Birth
  • Emergency contact
  • Your monthly income
Once you have filled your personal information correctly, you will receive a confirmation code which will auto-fill on the app, else, fill it manually; this allows the app to verify your information before granting you a loan.

How to get Opesa loans
  • Open the Opesa loan app on your phone
  • Click on get a loan
  • Select the amount you'd like to borrow
  • Select the loan period and click on submit
  • If the loan is approved, you will receive a confirmation message from Mpesa and Opesa, if rejected you will receive a message of the same from Opesa
Advantages of Opesa loans
  • Once approved, a customer receives loans to their phones within minutes of application
  • No presentation of several document and long queues to be granted a loan
  • No guarantor or collateral need to be granted a loan
Disadvantages of Opesa loans
  • Loans are offered at a high interest rate
  • If a loan is defaulted, a customer may be listed on CRBs
  • A lateness fee is added to the loan after the repayment days elapse
How to repay Opesa Loans via MPesa
  • Go to SIM tool kit on your phone
  • Select Lipa Na Mpesa, the Paybill
  • Enter Opesa Paybill number - 606280
  • Enter your phone number as account number
  • Enter your mobile money PIN number and submit
 
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