Smart way, better living.

We offer credit facilities to Kenyans seeking emergency funds and those without access to formal financial services.

Our App is pending approval from Google play due to the new government regulations.

A financial partner you can always trust.

Did you know 92% of Kenyans use mobile money for their day to day transactions?

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Quick Access

Quick access of short-term loans without security.


Your contacts and other information are always private and protected.

Friendly Limits

Get up to KES 50,000 and grow your limit quickly.

Active Response

Our customer care average response time is less than 1 hr.

A Stawika personal and unsecured loan comes with:

  • Real flexibility: On your loan amount and repayment period, with loans up to KES 50,000

  • Zero hidden costs: Fixed monthly instalments with set interest rates over the loan term

  • The freedom to do it your way: You get easy access to the financial assistance which is a phone call away,

  • Hassle-free registration: We provide simple verification and qualification processes, with minimal documentation required.

Explore product

How the Stawika Mobile Application Works!

Customer Journey

Who qualifies for a Salary advance loan?

We offer personalised service to all Kenyan government employees, TSC Members across all 47 counties within Kenya, as well as selected parastatals and private institutions.

Don't wait! Use our web app today to register and get a loan.

Connect, Get limit, Apply on any
Smart Phone or Feature Phone.

Applying for a loan is simple as A, B, C.
You can now use our USSD solution which is faster, simpler and cheaper.


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Latest news from our blogs.

We're always excited to talk about what's happening at Stawika. If you're a member of the press and want to speak with someone from our team, please contact us at

29 Dec 2022
stawika-registration.png Image

How to Register for Stawika

Registering for Stawika is fast and easy. First go to the Google Play Store and install Stawika. Once Installed, open Stawika on your phone. You will get 3 welcome screens after wh ...

26 Mar 2023
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Salary advance loans in Kenya

With expenses increasing consistently, it is understandably challenging for individuals to pull through the entire month with their salary. Receiving a fixed sa ...

29 Dec 2021
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5 Reasons why you should take up an instant mobile loan with Stawika

1. Loan processing takes less 5 minutes 2. Stawika uses phone data to determine loan limits, so no paperwork or complications. Simple and fast loan limit deter ...

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