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Daviva review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Daviva is a Kenyan direct lender for adults who need a small personal loan now and can clear it inside the term, with funds landing in an M-PESA account in 10 minutes. The 912.5% sits far above the 14.43% seen across personal loans, so speed and flexibility come at a steep price.

Key facts

Best for
Small, fast personal loans for Kenyan adults with an active M-PESA account.
APR
912.5%↗
Loan amount
KES 500 to KES 30,000↗
Term
61 to 122 months↗
Arrangement fee
0 KES↗
Funding time
10 minutes↗
Representative example
New customers: KSH 10,000 for 61 days at 2.5% per day, total repayment KSH 25,250↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Kenyan resident, 18 years or older, active M-PESA account↗
Loan types
Personal↗
Legal entity
Pesakuu Credit Limited (registration no. PVT-V7U2ZKZ)↗
Headquarters
Kenya↗
Support channels
Email, Phone↗
Features
Same-day funding
Official website
daviva.ke

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Early repayment is free, so settling a balance before the end of the term costs nothing extra.
  • Support runs on email and phone, so a person is reachable by email or phone.
  • As a direct lender, the loan and the credit decision sit with one company rather than a broker.

Cons

  • The 912.5% is far above the 14.43% median for personal loans here, so borrowing is expensive.
  • Lending is limited to personal loans of KES 500 to KES 30,000, so a larger expense has to be funded elsewhere.
  • Kenyan resident, 18 years or older, active M-PESA account narrows who can apply, since an active M-PESA account is required.
Daviva

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Adults in Kenya with an active M-PESA account who need a small sum today.
  • Borrowers who can clear the balance early, since early repayment is free here.
  • Anyone able to repay in full within 61 to 122 and comfortable with a high headline rate.

Who should look elsewhere

  • Anyone after a cheaper rate, since Sofkredit charges 10.74% to 18.06%.
  • Readers in the Philippines, who would use Cashspace at PHP 12 to PHP 36 instead.
  • People needing a larger sum, since Creduma ES starts at from €12,000.

Deposit protection

Daviva lends as a direct lender through the credit company behind the brand, not through a bank account, so the money is advanced directly and no deposit protection scheme covers the balance. The Central Bank of Kenya is the regulator named for the market. The representative example repays considerably more than the sum advanced, since interest is charged daily, which is why the free early repayment option matters.

How Daviva compares

Where Daviva is available

Available
Kenya
Licence in Kenya
Central Bank of Kenya (CBK), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Daviva loan cost?+

The headline cost is the 912.5%, charged on a daily rate, and the 0 KES origination fee is free. The representative example repays considerably more than the sum advanced for new customers, which is the clearest warning here. Early repayment carries no charge.

Can I repay early without a penalty?+

Yes. Early repayment is free, so clearing a balance before the end of the 61 to 122 term costs nothing extra. That matters more here than the 0 KES origination fee, because interest is added daily and the term is long enough for the total to build up.

How fast do I get the money?+

Approved borrowers are funded in 10 minutes, which is the point of the same day funding feature. The money arrives through an active M-PESA account, one of the conditions listed in Kenyan resident, 18 years or older, active M-PESA account, so that account has to be working before an application is made.

Who can apply for a Daviva loan?+

The conditions in Kenyan resident, 18 years or older, active M-PESA account cover Kenyan residents who are adults and hold an active M-PESA account. Lending is limited to personal loans, so anyone after a mortgage, a car loan or a revolving credit line is looking in the wrong place.

How much can I borrow, and for how long?+

Loans run KES 500 to KES 30,000 over a term of 61 to 122, with an 0 KES origination fee. That range suits a short gap between paydays rather than a major purchase, and anyone needing a bigger sum would look at a provider such as Creduma ES, where borrowing starts at from €12,000.

Who regulates Daviva?+

The Central Bank of Kenya is the regulator named for this market, and the lending sits with Pesakuu Credit Limited (registration no. PVT-V7U2ZKZ). As a direct lender, the loan is made by the lender itself rather than a broker, and the balance is a debt you owe, not money held in a protected deposit.

Is Daviva cheaper than other lenders?+

On price, no. The 912.5% here compares with a 14.43% median across personal loans on the site, and Daviva sits at 330 of 338 lenders by APR. Sofkredit, at 10.74% to 18.06%, shows what a cheaper rate looks like, while Cashspace works in Philippine pesos at PHP 12 to PHP 36.

How do I contact Daviva?+

Support runs on email and phone, so questions go by email or phone and there is no branch counter to visit. Because the product is digital and the Kenyan resident, 18 years or older, active M-PESA account criteria include an active M-PESA account, most contact is likely to be remote.

Sources

  • daviva.ke checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Headquarters, Legal entity, Lender type, Loan types, Arrangement fee, Representative example, Term, Licences

    “You can borrow any amount between 500 KES and 30,000 KES.”

  • daviva.ke/contact checked September 26, 2026

    Backs: Support channels

    “Email / Phone +254111053510”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

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Small, fast personal loans for Kenyan adults with an active M-PESA account.

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