Since the beginning of the year we have been reviewing the best loan apps in Kenya. Today is the turn to review another reliable online loan app in Kenya going by the name Stawika Loan App. 

What is Stawika Loan App

Stawika Loan App is one of the most trusted loan apps in Kenya that have been giving emergency loans to Kenyans without any collateral via mpesa. 

Through Stawika Kenyans can access a variety of loans as follows: 

Personal loans

Business loans

Women loans

Salary advance

Stawika loan app loan limits ranges from Kes 1000 depending on the type , for personal loan goes up to Kes 50,000 while Business loans can be accessed up to Kes 100,000

The interest rate for the loans is usual at 21% maximum rate for the loans.

How To Download Stawika Loan App

For the moment Stawika loan app is only available via APK files and not available on Google playstore or Appstore. Stawika Loans can also be accessed via USSD code*872# but only for returning customers.

You can download Download Stawika APK file through this link

Who can Apply For Stawika Loans 

Stawika Loans are open to all Kenyans above 18 years old with National IDs, have Mpesa accounts, 6 months Mpesa statement, own android smartphones and must have Good CRB ratings.

How To Apply For Stawika Loans

This is the step by step procedure on how to apply for Stawika Loans:

1) Download the app from APK files, or visit Web page to register using your personal details including full name, phone number, upload your 6 months mpesa statement and create your account.

2) After successful registration, you will be provided with a login PIN, login to your account . 

3) Check your loan limit

4) Apply For a loan within the loan limit provided

5) If approved the loan will be deposited directly into your mpesa account within minutes.

6) Repay your loan on time and apply for other loans

How To Repay Stawika Loans

Stawika APK loan app loans cam be repaid via mpesa Paybill Number: 830685 and enter your phone number as the account number.

Is Stawika Loan App Legitimate or Fake 

Stawika Loan App seems to be a legit loan app for it's positive Testimonials from several people from Stawika webpage screenshots as follows: 

Stawika  APK Loan App Specs 

These are the basic features for the APK Stawika Loan App: 

Free Download

English version

Android system

File size 5.78 MB

Category: Finance

Last Updated: March 15th 2024 

Stawika APK App permissions 

These are some of the basic permissions as a borrower you must allow the app to access in your phone:

Access network information

Access location information

Read phone call log

Access  phone's Camera

Access SMS messages

Pros and Cons of Stawika Loan App

Like anything else, Stawika Loan App has got both pros and cons as follows: 

Stawika Loan App Pros 

  • App offer easy online application
  • Loan is received instantly via Mpesa
  • Available to all Kenyans with IDs 
Stawika Loan App Cons
  • App is not available on Google playstore or Appstore only APK files
  • Checks CRB ratings 
  • Requires Mpesa statement

Tips On How To Quickly Increase Stawika Loan Limits

These are some of the tricks to use to make the app increase your loan limits within a short time: 
  1. Do not delete mobile phones payments smses 
  2. Repay your loans on time or earlier
  3. Do not  uninstall the app from the phone
  4. Repay any other online loans 

How To Contact Stawika Loans Customer Care

Incase of any challenges, one can contact Stawika loan app Customer service through: 
Address: 11537- 00100
Nairobi Kenya
Tel: 020 7606564/ 7606556/7606557


We have got no any doubt that this is a genuine online lender in Kenya though it's waiting for it's Approval from the Central Bank of Kenya (CBK), but it's safe for Kenyans to access quick loans from the lender. 


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