Fast, Reliable Loans Across East & South Africa
From application to funding in as little as 15 minutes. Get the financial support you need, when you need it.
Find the Right Loan for Your Needs
Emergency Loans
Urgent financial needs? Get funds within 15 minutes of approval for unexpected expenses.
Learn MorePersonal Loans
Finance your personal projects with flexible terms tailored to meet your specific needs.
Learn MoreBusiness Loans
Grow your business with flexible funding options designed for entrepreneurs and SMEs.
Learn MoreLoan Consolidation
Simplify your finances by combining multiple loans into one with better terms and lower rates.
Learn MoreWhy Choose Mkopo Express
Fast Approval
2-minute application process with quick decisions
100% Online
Apply from anywhere - no office visits required
Established
Serving East Africa since 2012 with trust
Secure
Safe and reliable transactions guaranteed
Quick & Simple Process
Register
Create your account in less than 2 minutes
Complete Profile
Provide your details securely
Apply
Choose your loan type and amount
Get Funded
Receive funds in your account
Withdraw
Move money to your preferred channel
What Our Customers Say
Mkopo Express saved me during a medical emergency. The application process was incredibly fast, and I received the funds within minutes. I highly recommend their services!
I needed funds to expand my small business, and Mkopo Express made it possible. Their business loan terms are fair, and the online process was seamless. My business has grown significantly since then!
I was skeptical about online lending, but Mkopo Express proved me wrong. The loan consolidation service helped me manage my finances better. Their customer service team was also very helpful throughout the process.
Available Across East & South Africa
Kenya
Uganda
Tanzania
Rwanda
South Africa
Zambia
Botswana
Sudan
South Sudan
Starting in Kenya in 2012, Mkopo Express has expanded to provide reliable lending services throughout East and South Africa, helping millions achieve their financial goals.
Common Questions
Our application process takes only 2 minutes, and upon approval, funds can be in your Mkopo Express account in as little as 15 minutes. The entire process from application to funding typically takes less than 30 minutes for most customers.
To apply for a Mkopo Express loan, you need to be at least 18 years old, have a valid ID, an active mobile phone number, and a bank account or mobile money account. Specific loan products may have additional requirements which will be clearly communicated during the application process.
Once your loan is approved, the funds will be deposited into your Mkopo Express account. You can then withdraw the funds to your preferred channel including mobile money services like M-Pesa, Airtel Money, bank transfers, or other supported payment methods in your country.
Mkopo Express currently operates in Kenya, Uganda, Tanzania, Rwanda, South Africa, and Zambia. We are continuously expanding to more countries across East and South Africa to provide our financial services to more customers.