Chapaa Loan App Application Process and Full Review

Learn about the Chapaa loan app, its specifications, how to apply for a loan and positive and negative reviews from the Playstore.

Carson O.
5 Min Read
Chapaa Loan ApplicationCourtesy - Google Playstore

Getting a quick loan at the convenience of your residence is no longer a hassle since the advent of mobile lenders in Kenya who provide soft loans to those who need cash instantly. Nevertheless, most mobile lenders have stringent regulations when it comes to giving out loans and this makes getting quick loans difficult in Kenya. This is where the Chapaa Loan app comes in. In this review article, you will learn about the Chapaa loan app, its specifications, how to apply for a loan, and a list of positive and negative reviews from the Google Playstore.

Let’s dive in…     

Overview of the Chapaa Loan App

Chapaa Loan provides a quick and easy way to get a personal loan right from your smartphone. This innovative mobile app connects borrowers directly with lenders to secure loans up to KES 50,000 with no paperwork required. 

Some key benefits of using Chapaa Loan include:

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  1. Flexible repayment terms – Borrowers can choose repayment periods ranging from 91 days up to one year, providing flexibility based on their needs.
  2. Competitive interest rates – Interest rates are reasonable, making Chapaa an affordable borrowing option.
  3. Easy access – You only need a smartphone and M-Pesa number to receive the loan funds. No collateral is required.
  4. User-friendly app – The streamlined 13MB app has no ads or clutter. It’s compatible with Android 5.0+ smartphones.
  5. Rated 3+ – Chapaa Loan has a child-friendly rating, free of inappropriate content.

Chapaa Loan takes the hassle out of securing a personal loan. In just a few taps, borrowers can have funds deposited directly to their M-Pesa account. With flexible repayment and competitive rates, it’s an easy way to access emergency funds or cover unexpected expenses.

Access ApplicationGoogle Playstore
Playstore Rating3.8/5.0 (Variable)
Download Size13 MB
Required OSAndroid 5.0 upwards
Email[email protected]
Offered ByChapaa Loan
USSD CodeNone
Loan limit (KES)2,500 – 50,000
Annual Percentage Rate (APR)24% – 50%
Repayment window91-365 days
Additional chargesDefaulters’ penalty
Age Limit20 years
Minimum RequirementsKenyan ID
Repayment MethodWithin App
Customer Service Hotline+254 740 312001

How to apply for a Chapaa loan app on your phone

  1. Download and install the Chapaa Loan Mobile app from the Google Playstore.
  2. Launch the app and a notice of terms, conditions and privacy policies will appear on your screen. Click Agree and continue.
  3. SelectRegister a new account
  4. Enter your phone number and request for a verification code that you will receive through SMS. Enter a strong password and proceed to the next window.
  5. Agree to the Privacy Policy, Terms and Conditions and proceed to Login. (Click on the checkbox at the bottom of the screen)
  6. The Chapaa Loan app will need to access a few permissions from the ones listed above. Allow all and proceed.
  7. You will then be directed to the main dashboard. Click on ‘Apply Now’.
  8. Fill in your registration, personal and contact details accurately. This information will be used to determine your approval. Click Submit
  9. Apply for your loan depending on the loan limit you have received.
  10. Your loan will be deposited INSTANTLY upon approval.

User Reviews

chapaa loan app

Positive Reviews

Best app. Deserve s 5stars Instant loan disbursement. I also like your customer service. With thus app, my financial emergencies are sorted that.

5/5 Rating

It’s a very good lending app. i haven’t experience too many calls for reminders compared to other apps

5/5 Rating

This is the best loan app ever, it really saved me needed cash, and instantly I got it from it🙏💃🏃🤸keep it up

3/5 Rating

Negative reviews

Just like knight loan platform. The same data collectors. Don’t kill yourself with the app. “The information you provided didn’t pass ….. even after borrowing and paying on time…” Plus many messages za kusumbua…

1/5 Rating
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I am a multi-faceted professional with a strong foundation in Business and Finance, honed since 2020. Additionally, I possess a deep passion for automobiles, serving as an avid car enthusiast. In parallel to my diverse interests, I am also a dedicated student pursuing a career in the medical field.
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