Can I Pay KCB M-Pesa Loan Using Fuliza?

KCB offers three different kinds of loans – M-Pesa Loan, Personal Loan and Car Loan. Most people who are new to KCB don’t know that they can use a loan from the mobile money service provider, M-Pesa, to pay off other loans with KCB. It is called a bridging loan or an overlay loan as it overlays or bridges another loan. As such it allows you to have several different debts with KES 100 or less. For example, you can have many other loans with KCB like auto loans, home improvement loans and others and then also have a small personal loan from M-Pesian of KES 100 or less at the same time. In this article we explain how you can pay off your KCB loan using another service provider’s services like M-Pesa.

What is a bridging loan?

A bridging loan is a loan that allows you to have more than one KCB loan outstanding at the same time so that the total amount of your loans does not exceed KES 100. For instance, you can have an auto loan with a value of KES 100 and an M-Pesa loan with a value of KES 100. You can fill in the required documents for each one and then pay them off separately so you are debt free.

How to pay off a KCB loan with M-Pesa?

To pay off a KCB loan with M-Pesa, you will have to follow these six steps.
1. Open an account with a mobile money provider like M-Pesa or Airtel Money in Kenya.
2. Upload funds from your bank account into the mobile money service provider’s account using the website (
3. On the payment section of your KCB loan, enter the amount you want to pay off and select M-Pesa as the source for payment
4. Wait for confirmation from M-Pesa that your payment has been sent to KCB and then proceed with paying off your loan using another service provider’s services such as M-Pesa or Airtel Money where you can also send money home to family members in Africa or friends overseas
5. Once paid off, simply close your M-Pesa/Airtel Money account and open a new one with KCB
6. You should now be good to go!

Get a KCA Loan

You can get a KCB loan from any of the following:
– M-Pesa
– Mobile Money Transfer Agent
– Internet Banking
– Branch
– ATM Machines
– Cash deposit machines
– Any other service provider in Kenya that offers loan services.
If you have an account with any of these service providers, you can use the money to pay off your KCB loan and avoid interest charges on the unpaid balance. For example, if you have an account with M-Pesa and they offer a loan of KES 100 or less, you can transfer the money to your KCB account and pay off your original loan with no interest charges applied. This is called a bridging loan as it bridges or overlays another loan between two different services. A bridging loan allows you to have multiple loans that are all under KCB’s threshold of having an outstanding balance. If you are new to KCB, then start with getting a personal loan from them first before moving on to other service providers.

How to get a Personal Loan?

To get a personal loan you need to visit a branch and fill out an application. The bank will then decide whether or not it can approve the loan as well as how much money you will be given for the loan. Most people are given loans in the range of KES 50,000 to KES 500,000 depending on your credit score. After you have completed filling out the application and found a branch that is willing to give you a loan, they will send you documentation such as:
1) A confirmation letter stating that your application has been received by the bank
2) A letter stating that they have approved your loan
3) Proof of ID
4) Proof of income (such as payslips or tax returns)

The pros and cons of using M-Pesa for your loans.

Using the M-Pesa to pay off your loan is a convenient option by using a mobile phone. It has both pros and cons.
The main advantage of using the M-Pesa over other services is that you don’t have to visit a bank or other institutions in person. Another possible advantage is that you can use your money at any time, which means you could get it for emergencies. The disadvantage of this method is that it may be more expensive than other methods as M-Pesa charges a fee for each transaction. For this reason, it may not be the best option for people who want to borrow money often.


Some people have asked if they can use the M-Pesa app to pay off their personal loans. In the end, it can be done, but it is not a good idea to use your M-Pesa account to make payments. It is possible, however, to get a personal loan with KCB using the M-Pesa app.

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