Loan

Hustler Fund Personal Loan

Financial Inclusion Fund (Hustler Fund), Government of Kenya

Open. No closing date published. No fee to apply Last checked 12 Oct

At a glance

Deadline: Open. No closing date published.
Fee: No fee to apply
Who may apply: Kenyan citizenship
aged 18 or over
Where: Kenya, on any phone

A loan you pay back: KES 100 to KES 50,000 at 8 per cent a year, taken on any phone by dialling *254#, with no collateral and no paperwork. It is the cheapest formal credit available to a trader with no bank record.

The facts

What you get: KES 100 to KES 50,000, depending on your credit score and repayment history. Interest 8 per cent a year calculated daily, rising to 9.5 per cent a year if you go past 14 days.
Where: Kenya, on any phone
How long: 14 day repayment window

Where you stand

This one is free. There is no fee to apply, and nobody should ask you for money at any point.

What they ask for

Kenyan citizenship
aged 18 or over
a valid national ID, a SIM card active for at least 90 days, and registration on M-Pesa, Airtel Money or T-Kash

Get ready to apply

Built only from what this listing states. Tick as you go; the ticks stay on your phone and are not sent anywhere.

Very little to fill in, by our reading.

1. What to get ready

Identity documentA clear photo of both sides, if it has two.
Essay, statement or proposalAnswer the question they ask, in your own words, with real examples.

In their words: “A national ID number and a registered mobile money line. No forms, no business plan.”

2. Dates

No closing date is stated.
Openings with no closing date can close once they have enough people, so sooner is safer. Our advice

Download checklist (.txt) Send to WhatsApp

The download is a small text file. You can read it later without data. It also lists each condition they set, so you can tick yourself against them. WhatsApp sends the same list to you, or to somebody helping you.

No CV yet? Make a plain one from your answers. Nothing you type is kept.

Tips for applying for a loan

General advice from us, the same for every loan. It is not what this organisation says; that is above.

Find the repayment terms first: the interest, the fees, how long you have, and what happens if you pay late.
Work out the monthly amount and check you could pay it from what you earn.
Check who is lending. A real lender never asks you to pay before you receive the money.

If there is an interview or a test

Be ready to show your numbers: what you earn, what you spend, what the money is for.

All our tips and messages to copy. Practise answering, with nothing kept. Received an offer? Check whether it is real, then read before you say yes.

How to apply

You apply on Financial Inclusion Fund (Hustler Fund), Government of Kenya's own website, not here. We never send an application for anybody and we never ask you for anything to pass on. Check their page for anything not shown here.

Go to the application

How we checked this

This was opened and verified at Financial Inclusion Fund (Hustler Fund), Government of Kenya's own website on 12 October 2026: it was real, still open, and open to people from African countries. If anything here is wrong, tell us.