Who is One Moja?
One Moja is a finance company offering personal loans to individuals in the private and semi government sector. We guarantee the lowest loan repayments from all providers where no guarantors, no security or employer liability is part of the loan offering, with no hidden costs or fees. The quote received is the price you pay.
How do I apply for a loan?
You can apply for a loan, as long as your employer is registered with One Moja. You can apply from your phone via sms. You don’t need any airtime. Applying with One Moja cost you nothing for the SMS number 22157 is free. There is no need to fill out long application forms, send emails or faxes – the entire application is done via sms from the palm of your hand.
Simply choose a loan amount, then as soon as the application is approved, the funds will be immediately available in you registered M-Pesa account. It’s fast, easy and simple.
Click here to see a step by step overview of the application process.
How do I know if I qualify?
A number of factors are considered, but most importantly we need you to be employed, have a mobile phone, and a registered Safaricom number and a M-Pesa account.
How much money can I get?
We have minimum and maximum loan amounts which you may borrow, but we need to check what you can afford. We won’t give you a loan if we believe you will not be able to repay it.
How and when do I pay for the loan?
Your employer will automatically deduct the repayment amount from your salary each month, so you pay the loan every month on payday.
How long do I have to pay off the loan?
The One Moja personal loan product is a revolving and re-advance loan. The term you selected in number of months is how long it will take to repay the loan.
How much interest will I pay?
The interest amount will be displayed on Step 2 when you apply and you select your loan amount.
Do I have to re-apply for the one month loan every month?
No, you apply once and the available amount stays in place. After the first loan, you can directly just send the amount you need to 22157 (Free SMS service).
How do I know what my instalment will be?
The repayment amount will be displayed on Step 2 when you apply and you select your loan amount.
How do I increase or decrease my loan amount?
If you send loan to 22157 (Free SMS service) you receive a quotation for the
maximum amount you qualify for. You can then decide what amount you need.
You can send loan to 22157 as many times as you like in one single month,
for example, you may apply for minimum Ksh1000 per request, until you have
reached your maximum available loan amount for the month.
If you take a loan for the month you can only decrease the amount of that
loan when the loan is repaid and you make a new loan application in the new
month.
Why has my application been declined?
There are various reasons why your loan application may be declined. If you would like to find out why, please contact us and we will be happy to assist.
How many loans or times per month can I apply?
You can send loan to 22157 as many times as you like in one single month.
You may apply for minimum Ksh1000 per request, until you have reached your
maximum available loan amount, based on your affordability.
My employer is not registered with One Moja, how can I apply for a loan?
Unfortunately you cannot apply for a loan until your employer registers with us. Ask them to contact us to get the ball rolling. We will be happy to explain the details and get them on board!
Loan info | See our easy 3 step process