USSD — Africa

USSD codes for loans in Kenya - MPESA

An MPESA USSD code is a service powered by Safaricom for their MPESA customers to access services by dialing the code *334# to receive their MPESA statements.

The availability of mobile lending loans has solved so many Kenyans' problems in times of desperate need. With the help of an MPESA USSD code, many have been able to solve their money problems within a short given period. Imagine life without these codes—going to the supermarket and having an insufficient balance without these meaningful codes. 

USSD (Unstructured Supplementary Service Data) is one of the most used channels of communication with simple processes. The code help users access services and applications by issuing a command to which they will receive an answer to immediately.

USSD loan codes to MPESA in Kenya

These are some of the MPESA free USSD loan codes you can access as follows;

1. *334#: Fuliza

2. *848#: Timiza

3. *844#: KCB MPESA

4. *334#: Mshwari

5. *841#: Zenka

6. *842#: Okolea

7. *339#: Pesa ChapChap

How to create a USSD code application

Are you a financial institution? Creating a USSD code application is as simple as sending an email to [email protected] and we will help you get started.

If you want an idea of how easy it is, watch this video.

What is an MPESA USSD code?

An MPESA code is a service powered by Safaricom for their MPESA customers in order for them to access services by dialing the code *334# to receive  their MPESA statements.

When you dial *334#, these are the service options that you will find;

  • Option for sending money
  • Withdraw Cash
  • Buy Airtime
  • Loans and Savings
  • Financial Services
  • Lipa Na MPESA 
  • My Account
  • Pochi la Biashara

Usually, they would incorporate their search with * and end the command with # as they wait for a response. You can access these quick USSD codes by typing the code number on your mobile phone. 

From buying airtime to Fuliza services, USSD codes have made our lives easier. With a short code typed and can be easily memorized, you will be surprised to see the uncountable number of instructions installed for multiple options to pick up from.

How does the MPESA USSD code work 

  1. The shortcode *334# is easy to dial and to remember. A customer can easily engage it quickly and get served promptly.
  2. The services offered are free of charge and thus do not need any MPESA-registered customer to pay in order to access them.
  3. Through the USSD code, a customer can access their statements as requested on specified dates they want to see them.
  4. The customers can be able to self-serve themselves by dialing the MPESA USSD codes on their phone and accessing their much-needed service.

How to register for an MPESA service with USSD code *334#

To get an access to the MPESA statement services, you need to have registered for the service by;

  1. Dialing *334# and select "My Account" under that, choose MPESA statement.
  2. Select "Register for email statement" and click to accept the terms and conditions.
  3. Enter your email address and verify with your MPESA PIN.
  4. An SMS notification will be received on your phone to notify you of the successful registration request received and being processed.
  5. After going through these processes, you will receive an email to notify you of your registration with a provided validation OTP code. This should be used to verify your email address.

Verify your email address using the same procedure but this time round a little bit different as follows;

  1. Dial *334# and select "My Account," then choose "MPESA Statement".
  2. With the OTP provided, select "verify email" and input the OTP code.
  3. You will receive a confirmation email informing you that you have successfully registered and will receive monthly Statements for MPESA. Also, the email would state that you have been opted out of the old MPESA Statement services.

How to get the MPESA statement using the code *334#

  1. Dial *334# and select "My Account," then choose "MPESA statement" to request for the statement you need to know.
  2. You will receive your statement in your email address, and an SMS will pop up to notify you of that.

How to apply for a loan using the MPESA USSD code

The procedure for applying for an MPESA USSD loan code is as easy as follows;

  1. You must familiarize yourself with which MPESA loan app you want to associate yourself with. This is the first thing you need to consider in mind, given it will guide you on your next to finish steps.
  2. Have a grasp of the loan lender USSD code you want to borrow money from. This will help initiate the process easily. If you aren't aware of it, you can easily google to get the code right.
  3. Ensure you are eligible for that loan. If you are not sure, you can start by checking before borrowing. You will have to input the USSD code on your mobile phone and feed the necessary details to your phone as required.
  4. When you are done with confirming whether you are legible for that loan, proceed to request for it and wait to receive the loan instantly after you are done with all these processes.

Advantages of using the MPESA USSD codes to get a loan

  • It is fast when it comes to responding to commands. This will save you a lot of time instead of waiting longer.
  • You can borrow your loan anytime, regardless of the day or night time. They are reliable in case of an emergency anytime.
  • It is easy to use, with simple instructions set to be input and followed for options needed.
  • You don't necessarily need to have installed a specific app you want to request your loan. 
  • You don't need to operate it on mobile phone data bundles. You can still access it regardless of your data situation.


Going broke is no longer an option for Kenyans. With quick and straightforward to-dial USSD MPESA loans, your problem will be far gone. It doesn't matter whether you borrow it for business or individual use. What matters is that you will be sorted. Forget about the worries of downloading these specific apps that will consume lots of space on your phone and for the code way! Ensure to borrow and repay back your loans on time as expected of you.

Last updated
June 12, 2024
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