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Lendplus review

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

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Our verdict

Lendplus suits Kenyan borrowers with a National ID, an active M-Pesa number and a stable income who need money quickly. It lends direct under a Central Bank of Kenya licence, CBK/DCP/2025/89, though a band of 3.65% to 803% and no free early repayment make short terms the sensible choice.

Key facts

Best for
A small M-Pesa loan in Kenya for a borrower who needs money today.
APR
3.65% to 803%↗
Loan amount
KES 1,000 to KES 200,000↗
Term
2 to 12 months↗
Credit check
Hard↗
Funding time
Decision in 1-15 minutes; funds sent to M-Pesa usually within minutes once approved and confirmed↗
Representative example
KES 10,000 for 61 days at 1.0% per day, total cost KES 16,100 (minimum rate with discount); at 2.2% per day, KES 23,420↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Kenyan resident aged 23-62, valid National ID, active M-Pesa number, stable source of income↗
Loan types
Personal, Payday↗
Use cases
Home-improvement↗
Legal entity
Aventus Technology Limited↗
Headquarters
Kenya↗
Founded
2021↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
lendplus.ke

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Lends direct as a provider, direct lender, so the agreement is with the lender itself.
  • Holds a Central Bank of Kenya licence, CBK/DCP/2025/89, inside a regulated market.
  • Fixed rate terms, fixed, with funds usually reaching M-Pesa within minutes.

Cons

  • Free early repayment is not offered, so clearing early does not cut the interest owed.
  • A band of 3.65% to 803% sits well above the payday median of 36.5%.
  • A hard credit check, hard, means every application shows on your file.
Lendplus

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Scored 8.8 / 10 by SumCue.

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Who it suits

  • Kenyan residents with a National ID, an active M-Pesa number and a stable income
  • Borrowers who need a small amount in mobile money the same day
  • People who can clear the balance inside 2 to 12 at a flat daily rate

Who should look elsewhere

  • Cashspace, whose band of PHP 12 to PHP 36 sits in another market
  • Creduma ES, for euro borrowing from a minimum of from €12,000
  • Sofkredit, whose Spanish band of 10.74% to 18.06% suits a different repayment market

Safety of your money

Lendplus is a direct lender rather than a broker, so the credit agreement sits with the company you apply to. It holds a Central Bank of Kenya licence, CBK/DCP/2025/89, which is the check worth making before you sign. The published representative example prices a short payday loan at a flat daily rate, and the total repayable is far above the amount advanced.

Who runs it

Lendplus is run by Aventus Technology Limited, headquartered in Kenya and recorded as KE. The company was founded in 2021 and lends under a Central Bank of Kenya licence, CBK/DCP/2025/89, as a direct lender rather than an intermediary. Support runs on email, phone and help centre, so both a phone call and email are available, plus a help centre for common questions.

How Lendplus compares

Where Lendplus is available

Available
Kenya
Licence in Kenya
Central Bank of Kenya (CBK/DCP/2025/89), checked September 26, 2026

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

Frequently asked questions

What rate does Lendplus charge?+

Lendplus quotes a band of 3.65% to 803% on personal and payday loans, all at a fixed rate. The representative example prices a short loan at a flat daily rate and shows the total repayable well above the amount advanced, so weigh the total, not the daily figure. Retail loss rates run 65.75% to 74.5%.

How much can I borrow and for how long?+

Loan sizes run KES 1,000 to KES 200,000 and terms run 2 to 12. Both personal and payday loans sit under the same application, so a short bridge for a bill and a longer planned repayment are handled in the same way.

Is Lendplus regulated in Kenya?+

Yes. Lendplus holds a Central Bank of Kenya licence, CBK/DCP/2025/89, and lends as a direct lender from Kenya, so the contract is with Lendplus rather than a broker or a marketplace.

What credit check does Lendplus run?+

The check is hard, hard, which is a full search rather than a soft pre-qualification. Approval rests on your credit file, and every application shows there, so apply once with your details settled.

How fast is the money?+

A decision usually comes quickly and, once approved and confirmed, funds go to M-Pesa within minutes, same day funding. An active M-Pesa number is required, so the payout lands in mobile money rather than a bank account.

Can I repay early?+

Free early repayment is not offered. Clearing the balance before the agreed date does not reduce the interest owed, so treat 2 to 12 as the real horizon and borrow only what fits inside it.

Who can apply?+

Applicants must be Kenyan residents of a minimum age with a valid National ID, an active M-Pesa number and a stable source of income. Lendplus was founded in 2021 and lends direct, with no broker step in the application.

Sources

  • lendplus.ke checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Founded, Funding time, Lender type, Loan types, Representative example, Term, Use cases, Licences

    “We offer online loans from KES 1,000 to KES 200,000, disbursed directly to M-Pesa”

  • lendplus.ke/faq checked September 26, 2026

    Backs: Support channels

    “You can contact LendPlus support by phone or email. Phone: +254 709 029 000, Email: customer@lendplus.ke”

  • lendplus.ke/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Free early repayment, Headquarters, Legal entity, Pricing model, Rate type

    “you authorize Aventus Technology Limited to access and query and obtain your credit information from any of the licensed Credit Reference Bureaus (CRBs) ... in order to assess your creditworthiness”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Lendplus

Lendplus

A small M-Pesa loan in Kenya for a borrower who needs money today.

8.8/10See alternatives