KCB M-pesa Customers Can Now Top Up their Loans and Rollover Loan Repayment Period to Up to 60 days

KCB M-Pesa customers can now top-up their loans by borrowing several times within the credit limit assigned to them without having to first clear outstanding balances. Assuming you have a credit limit of Ksh.5000, and currently servicing an existing KCB M-Pesa loan of Ksh.2000, you can now borrow up to Ksh.3000 without having to first clear the initial loan as required before. This is now possible after an upgrade to the old KCB M-Pesa system where borrowers could only take another loan after clearing the outstanding balances.

According to KCB, the upgrade has also enabled users to rollover their loans to the next month, a feature that was missing on the old KCB M-Pesa platform. Basically what this means is; instead of being limited to 30days, In the event that your loan is not repaid in full within thirty (30)days, your loan will be automatically rolled over together with any outstanding amount in respect of the principal, interest and negotiation fees. This shall continue to be the case until all amounts owed are fully repaid. However, In the event that you do not repay the loan in full within sixty (60) days from the date when the loan was first granted, you will be liable to pay a late repayment penalty fee of 10% of any outstanding principal, interest, negotiation fees and any other fees payable under the KCB M-PESA.

“We are continually re-imagining digital finance. There is need for us to embrace innovation and digitization beyond our current realm of operations,” said KCB Group chief executive Joshua Oigara.

How to Rollover KCB M-Pesa Loan Repayment Period to Up to 60

  • As indicated above, all you need to do is ensure you do not exceed 60 days from the date when the loan was first granted.

KCB has also unveiled a holiday season promotion that will see Loans borrowed and repaid within the same day via KCB M-Pesa attract a zero(0) percent interest. Meaning if you borrowed Ksh.10,000 and repaid within the same day, you wouldn’t pay any additional charges but the exact amount Ksh.10,000. This promo will run between 18th Dec 2018 and Jan 17th 2018.  


  1. I borrowed a loan of Ksh 15000 from Kcb MPESA failed to pay on the 30th thus rolled over to the nezr essays.

    I paid all the debt after 4days and all the cost incurred as indicated .I received a confirmation Sms that all your debt is fully paid.

    I requested another loan but denied. What is the reason of denying me a loan ?

      • I had a loan of 10500 due on 15th July.By that 15th I had partially cleared 4k.The remaining figure was rolled over up to 15th August.I hv managed to clear yesterday on 15th July but I’m being denied another loan.Please help!!

      • I had a loan of 10500 due on 15th July.By that 15th I had partially cleared 4k.The remaining figure was rolled over up to 15th August.I hv managed to clear yesterday on 15th July but I’m being denied another loan.Please help!!

  2. Am a customer to kcb mpesa for along time,av been borrowing With them and paying back within a period of 30days.this time I paid late with only 2weeks with aroleover of one month interest.BT they have decided to decline my loan.av really felt bad and failed to don’t understand their terms n conditions. Plz help me know way forward

    • I have been a faithful customer of KCB mpesa for a long time. During this season I encountered a problem that made me delay payment. I am now back to my job and I tried to apply for a lower amount and I was denied. Why, considering it is a tough time for all of us?

  3. Have been a kcb customer for a long time, ve paid my loan on time, this time I was late by only one week of which I paid my loan with a rollover of one month interest. My loan application is now rejected due to current lasting. I really felt bad and don’t understand. Plz clarify to me for I’m really sad

  4. Waao thus good and very advantageous to the kcb mpesa customers because they will have time to repay their loans but what i can request from you is to consider the amount one borrows for him/her to repay try and talk to them for them to be able to benefit from that loan because that loan is useful

  5. I have loan due today .will pay in the next 4 days. Will I access another loan immediately? Be honest.

  6. hello kcb mpesa, i have tried getting a loan but all in vain. i get a message saying i cant access the loan due to last loan late payment. am yet to understand why i cant be given a loan and my limit is not zero

  7. I cleared my Kcb mpesa loan in July after a later payment…when I tried to access again was told to wait for 90 days ..it’s been more than 90 days now can someone just clarify If it’s possible or not?

  8. Comment:Kcb Mpesa is more helpful its good to read terms & condition b4 applying so that we may not blame them later

  9. I am acustomer of KCB-Mpesa loan. I borrowed loan and i delayed paying the loan for a period of one monthe but later i cleared all the loan. I told to borrow again after 90days have elapsed, now its almost 120 days and there cannot give me another loan what is the problem.

  10. I paid my loan late plus penalty fee due to a sick parent who was hospitalized.Even after completing 3 months ,I can’t get a loan due to previous late payment? and as per my loan repayments before, I have been paying on time.Please can I get direction regarding my concern? Thanks.

  11. Comment:i borrowed loan and i failed to pay in right time but final i pay it is almost 4 month i have never given another loan please give another and i will pay in time.thank you.

  12. I request loan from kcbeing mpesa . I delayed paying previous loan but I paid . now want how I can access loan but when I tried it was declined loan due to late payment

  13. I was given loan last year around April and due to lack cash failed to pay but paid later July and since then up to date ,I always try to borrow loan am rejected yet I cleared my self with CRB and I wonder

  14. Iam in support of the kcb mpesa as the best and friendly loaner ,I have enjoyed and found the loans helpfull ,thanks for opening a longer repayment window.

  15. Let the 90 days repayment period for kcbmpesa deadline remain even after the conova 19 epidemic is over. This will enable borrowers to repay loans without fear of being blacklisted.

  16. Late payment of your loan put me in crb and I am sorry for the delay but I need clearance from you which I have sought for the past 2 weeks with no success my case ref.no.is 11217744 kindly assist.

  17. I have the same case as Jacob Sitelu where my loan had a roll over but ensured that I clear it before the deadline. Despite your assurance that I now qualify for 57,500 shillings all my applications have been rejected. I am referred to customer care which gives computerized answers but no loan. Please give me an answer as I need that loan urgently

  18. My loan was due Jan I talked to them what happened to me that time we agree if I paid the cash they give another loan..the money was for business due to corona but no answer the loan was 10500 and I have paid in August.. instead of lifting me up u kick me when am down …do something pls

  19. I have repaid my loan and the limit is still there.. however,I can’t access the Kcb Mpesa loan due to late payment.How can you assist me to access back my loan kindly

  20. I have never borrowed kcb mpesa ever since. Tried and told that I borrowed but repaid late. Who advanced me the cash and wen?

  21. I had a loan with KcB mpesa.. And paid it fully .. on checking my CRB status it reflects that i still owe some money.. and if i try to pay it .it tells me that i dont have any outstanding loans…

  22. I had borrowed a loan from KCB Mpesa and delayed repayment due to the Covid-19 pandemic where my salary was slashed and my business went down. However I managed to repay the whole amount. I have not been able to acquire another one reason being delayed repayment of previous loan.
    Kindly advise
    David kinuthia wanyoike
    KCB A/C 1209334461

  23. Kcb mpesa ni wapoa bt ukilatetisha pay pay our doomed betta uache kupay kabxa juu ukipay no more loan nawajua sana lipa polepole mpaka iishe at our convient juu imagn umepay 30k na wafailure kukupa mi mungu utakufa mxee kaaa baya ni baya


  25. Kindly return my salary is the only survival I have at least you should have called me before withholding my money .I Know well I owe you your money of Which I will clear pole pole.what you have done for me is unbelievable .

  26. My comment is ,the bank to have clear , adjustment payment period for members, who might be stuck in paying for a period of one month, indicated during loan application.

  27. I had a late payment but did the payment it August but to date I can’t access the loan because of late payment though was told I can access after 90days

  28. I had a late payment but did the payment it August but to date I can’t access the loan because of late payment though was told I can access after 90days

  29. I try to borrow loan put still saying your qualification for a loan is still under review shida ni nini yet I don’t have any loan palance and I need a loan

  30. Due to corona pandemic I delayed paying my loan. Immediately I recovered I paid my laon. How come whenever I apply for another loan I am denied?

  31. Comment:Nice kcb for that but 4 me i used to get mpesa loans, now i only get a comment:continue using mpesa which no doubt i do.


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