Sky Pesa Loan App Application Process and Full Review

We take a closer look at the Sky Pesa loan app and provide an overview of its features, and the application process.

Carson O.
6 Min Read

Loan apps have become increasingly popular in recent years, providing a convenient way for people to borrow money quickly and easily. One such loan app that has garnered positive reviews is the “Sky Pesa” app. In this article, we will take a closer look at the Sky Pesa loan app and provide an overview of its features, the application process, and a full review.

Overview of the Sky Pesa Loan App

Sky Pesa is a mobile application designed to provide small personal loans to people who need them. The app connects borrowers with lenders and allows them to apply for loans up to KES 20,000. One of the app’s standout features is the speed with which loans can be approved and disbursed, making it a great option for those needing emergency cash.

Another benefit of the Sky Pesa app is the flexible repayment options it offers. Borrowers can choose from a variety of repayment terms, ranging from three months to five years, depending on their needs and financial situation. The app also offers competitive interest rates, making it a cost-effective option for those looking to borrow money.

This application is only 10mb and has no ads, thus having a good user experience. All you need to access this loan is your smartphone and an M-Pesa Phone number that you will use to receive the money you will borrow.

Furthermore, the application is compatible with any Android phone with an operating system above Android 5.0. it is also rated for 3+, meaning that it is free from any form of obscene or irrelevant content.

Below is an organized table with all the important information you should know;

Access ApplicationGoogle Playstore
Playstore Rating3.1/5.0
Download Size10 MB
Required OSAndroid 5.0 upwards
Email[email protected]
Offered ByWhitepath Company Limited
Sky Pesa USSD CodeNone
Service feeOne-time fee that varies
Handling FeeUnspecified fee
Loan limit (KES)1,000 – 50,000
Annual Percentage Rate (APR)10% – 16.25%
Daily Interest0.027% – 16.25%
Repayment window91-180 days
Additional chargesDefaulters’ penalty
Age Limit20 years
Minimum RequirementsKenyan ID Monthly Source of Income
Repayment Method4089547
Customer Service Hotline+254 115 623977

Also, Read: 6 Reasons Why No Kenyan Bank Will Give You a Loan

How to apply for a Sky Pesa loan on your phone

  1. Download and install the Sky Pesa Mobile app from the Google Playstore.
  2. Notice of terms, conditions and privacy policies will appear on your screen. Click Agree and continue.
  3. Sky Pesa app will need to access a few permissions from the ones listed above. Allow all and proceed.
  4. Enter your phone number and request for a verification code that you will receive through SMS. Proceed to the next window.
  5. Agree to the Privacy Policy and proceed.
  6. You will then be directed to the main dashboard. Click on ‘Apply Now’.
  7. Set your phone number and login password. Make sure your password is vital, to evade malicious account access. Include your invitation code if you have one.
  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

Positive Reviews

5/5 Rating – “Am so grateful for this Sky Pesa app, it’s well organized compared to any other loan app. The app should be given five Stars for good work.”

3/5 Rating – “I once had a problem with this app that resulted in them sending msg to my contacts but I paid & am back, I realized they have inbuilt lending options, which may get one greedy & result in unorganized borrowing but with discipline, I guess Sky Pesa option I can do business with.”

5/5 Rating – “Sky Pesa is my best app in terms of emergency cases, each time I apply for a loan, I receive an instant through my Mpesa”

Negative reviews

1/5 Rating – “I started well with this app but the bombshell came when I applied and got KES 4,550 but the amount was reduced to KES 2500! Before the money was disbursed, a pop-up message came saying that ‘after vigorous review’ I was to get that amount. I have been paying on time but this time, you failed me. I have decided to vent my frustration here coz I tried to call but no one was picking up!”

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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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