Stawika is a modern mobile lending solution aimed primarily at government employees, TSC members, and a select group of private institutions across Kenya. Developed by Stawika Capital Limited, the app is designed to provide emergency cash and salary advances quickly and efficiently while ensuring full transparency and minimal documentation. With loan amounts typically ranging from KSh 500 to KSh 50,000, Stawika empowers borrowers to access funds within minutes via both its mobile application and USSD service (for example, via a code such as *872#).

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Key Features of Stawika

Quick Loan Processing: Whether you are using the mobile app or USSD, you can expect prompt approvals; often within just five minutes of applying.

Tailored for Specific Groups: With offerings specifically defined for government employees, TSC members, and select parastatals, Stawika focuses on meeting the unique needs of these groups while ensuring exclusive terms.

Transparent and Fixed Fees: Know exactly what you owe from the start. Stawika provides fixed monthly installments with clearly defined interest rates (typically between 7% and 21% per annum).

Credit Limit Growth: Timely repayments help you unlock higher loan limits for future borrowing.

User‑Friendly Interface: Designed with simplicity in mind, the app allows you to register, check your loan limit, apply for a loan, and manage repayments with ease.

Security Measures: With robust data encryption and multiple verification steps, your financial data is well‑protected during every transaction.

Eligibility Criteria

To be eligible for a Stawika loan, you must:

• Be a Kenyan citizen aged 18 or older with a valid mobile number.
• Belong to one of the specific groups eligible for tailored offers (such as government employees or TSC members), although some products are available to a broader audience.
• Have an active M‑Pesa account and a positive credit history (even if minimal).
• Satisfy the basic digital verification requirements through the app registration process.

How to Register and Apply

Download the App or Use USSD: Get the Stawika app from the Google Play Store or dial the designated USSD code (often *872#) on your phone.

Register Your Profile: Enter your mobile number, verify your identity using a national ID, and set a secure PIN.

Check Your Loan Limit: Once registered, view your available loan limit from within the app’s dashboard.

Submit a Loan Request: Choose an amount within your limit, specify your preferred repayment period, and submit your application.

Instant Approval & Disbursement: After a rapid credit evaluation, approved funds are automatically credited to your M‑Pesa account.

How to Repay

Your Stawika Loan Repayment is streamlined via:

USSD Repayment: Dial *872# to initiate the repayment process swiftly.

M‑Pesa Payments: Use the “Lipa na M‑Pesa” service with Stawika’s designated business number (for example, 830685) and your registered mobile number as the accoun

Easy Monitoring: The app also provides repayment reminders, tracking your due dates and installment amounts.

Additional Benefits and Pro Tips

• Build Your Credit History: Consistency in repayments will boost your future loan eligibility and increase your credit limit.
• Customer-Centric Support: Stawika offers responsive support via email and in‑app chat to handle any queries.
• Stay Updated: Regularly check your profile for notifications and tips on how to maximize your borrowing potential.