250K+
Active Customers
KES 200M
Loans Disbursed
< 5 min
Average Approval
4.8/5
Customer Rating
How it works
Get cash in your M-Pesa in three simple steps
Apply in minutes
Download our app and complete a quick application. We only ask for the essentials - your ID and M-Pesa details.
Get instant approval
Our smart system reviews your application instantly. Most customers get approved within 5 minutes.
Receive your funds
Once approved, funds are sent directly to your M-Pesa within minutes. No delays, no waiting.
Why choose Okolea
Built for Kenyans who need fast, reliable access to credit
Lightning Fast
From application to cash in your pocket in under 10 minutes. We respect your time.
No Collateral
We believe in you, not your assets. Get loans without pledging any security.
100% Mobile
Apply, manage, and repay all from your phone. No branch visits needed.
Transparent Fees
What you see is what you pay. No hidden charges, no surprises.
Loyalty Rewards
Repay on time and unlock higher limits with lower rates. Your good habits pay off.
CBK Licensed
Fully regulated by the Central Bank of Kenya. Your money is safe with us.
What our customers say
Real stories from real Kenyans
“I needed emergency funds for my mother's hospital bill. Okolea came through in less than 5 minutes. Truly a lifesaver.”
Grace Wanjiku
Nurse, Nairobi
“As a small business owner, cash flow is everything. Okolea helps me stock up when suppliers have good deals. Game changer!”
James Ochieng
Shop Owner, Kisumu
“Transparent fees and no pressure. I started with a small loan and now have access to KES 80,000. Love the loyalty program!”
Kevin Mwangi
Freelancer, Mombasa