Haraka Loan App Kenya — Fast Mobile Loans via M-PESA by GetBucks

Haraka Loan App Kenya is a fast and reliable mobile lending service operated by GetBucks Finance (GetBucks Pty Ltd). As one of the pioneer digital lenders in Kenya, Haraka has been providing instant microloans to thousands of Kenyans since 2011. The app helps individuals access quick cash directly to their M-PESA accounts — anytime, anywhere. With flexible loan amounts, competitive interest rates, and multiple access options including both mobile app and USSD code, Haraka remains one of the most accessible mobile loan solutions in Kenya today.

Key Features of Haraka Loan App Kenya

Provider: GetBucks Finance (GetBucks Pty Ltd)
Loan Amounts: KES 500 – KES 5,000
Repayment Period: 7 – 30 days
Interest Rate: 5% – 7% per month (approximately 23% for 30-day loans)
Late Fee: Penalties may apply on overdue amounts
Repayment Methods: M-PESA Paybill 817910 (Account number: your phone number)
Access Methods: Mobile app or USSD code *841#
Customer Support: kenyainfo@getbucks.com | Call +254 (0) 202 434 019
Recognition: Regulated by MFSA and NCR

Why Choose Haraka Loan App?

Haraka stands out among Kenyan mobile loan apps because of its pioneering role in digital lending, dual access options, and user-friendly approach. Whether you have a smartphone or a basic feature phone, you can access Haraka loans. No paperwork, no long queues — just instant funds within minutes of approval. Whether you need emergency cash, business float, school fees, or a quick top-up before payday, Haraka provides reliable financial solutions right from your mobile phone.

Benefits:

✔ Pioneer in mobile lending — trusted since 2011
✔ Quick approval and instant M-PESA disbursement (usually under 3 minutes)
✔ Dual access via mobile app or USSD code *841#
✔ No smartphone required — works on feature phones via USSD
✔ No internet required for USSD application
✔ Secure and user-friendly interface
✔ Competitive interest rates starting from 5% per month
✔ Build your credit history with timely repayments
✔ Gradual loan limit increases with good repayment behavior

How to Apply for a Haraka Loan

Method 1: Mobile App (for Smartphone Users)

1. Visit Google Play Store and download the Haraka Loan App.
2. Open the app and create an account using your Facebook profile.
3. Fill in your personal details:
   • Full names
   • National ID number
   • Email address
   • M-PESA phone number (referred to as Wallet Number)
   • Date of birth
4. The system will display your loan limit based on your credit assessment.
5. Choose your desired loan amount (KES 500 – 5,000).
6. Select your preferred repayment period (7 – 30 days).
7. Review the loan terms, interest rate, and total repayment amount.
8. Submit your application.
9. Once approved, the loan will be credited to your M-PESA account within minutes.

Method 2: USSD Code (for All Phone Users)

1. Dial *841# on your Safaricom line.
2. Follow the on-screen prompts to register or log in.
3. Enter your 4-digit PIN.
4. Select “Apply for Loan” from the menu.
5. Enter your preferred loan amount and repayment duration.
6. Submit your application.
7. Receive instant approval and disbursement to your M-PESA account.

Eligibility Requirements:

• Age: 18 – 60 years old
• Valid National ID
• Active M-PESA account
• Registered mobile number

How to Repay Your Haraka Loan

Repaying your Haraka loan is simple and convenient through M-PESA. You can repay the full amount or make partial payments.

Repayment via M-PESA Paybill:

1. Go to M-PESA on your phone.
2. Select Lipa na M-PESA → Paybill.
3. Enter Business Number: 817910.
4. For Account Number, enter your registered phone number.
5. Enter the repayment amount (full or partial payment).
6. Enter your M-PESA PIN and confirm.
7. You will receive a confirmation message from M-PESA.

Repayment via USSD Code:

1. Dial *841# on your phone.
2. Enter your 4-digit PIN.
3. Select “Repay” from the menu.
4. Choose “Repay full amount” or enter partial amount.
5. Follow the payment prompts to complete the transaction.

Important: Always repay on time to avoid penalties, maintain a good credit history, and qualify for higher loan limits in the future.

Haraka Loan Fees and Interest

Interest Rate: 5% – 7% per month (approximately 23% for 30-day loans)
Late Fee: Additional penalties apply on overdue balances
Processing Fee: None stated

Loan Calculation Example:

If you borrow KES 1,000 for 30 days at 23% interest:

• Loan Amount: KES 1,000
• Interest: KES 230 (23% of KES 1,000)
• Total Repayment: KES 1,230

If you borrow KES 5,000 for 14 days at approximately 8% interest:

• Loan Amount: KES 5,000
• Service Fee: KES 336
• Total Repayment: KES 5,336

Note: Interest rates vary based on loan amount, repayment period, and individual credit assessment. Always review your loan agreement before confirming.

Comparison Table: Haraka vs Other Top Loan Apps in Kenya

Loan App	Loan Amount (KES)	Interest Rate / Fees	Repayment Term	Highlights
Haraka (GetBucks)	500 – 5,000	5% – 7% per month	7 – 30 days	USSD *841# access, no internet needed
Tala	Up to 50,000	~0.3% daily	21 – 120 days	Higher limits, flexible terms
Branch	500 – 300,000	2% – 18% monthly	62 – 365 days	Longer repayment, larger amounts
M-Shwari	100 – 50,000	~9% facility fee	30 days	Bank-backed, integrated with M-PESA
Zenka	1,500 – 30,000	Up to 11.5% monthly	61 – 180 days	Transparent terms, good support

Frequently Asked Questions (FAQ)

1. Is Haraka Loan App legit?

Yes. Haraka is operated by GetBucks Finance, a recognized and licensed microfinance institution that has been serving customers across multiple African countries since 2011. The app is available on Google Play Store with over 500,000+ downloads and positive ratings. Haraka services are regulated by MFSA and NCR, ensuring your money is safe and secure.

2. How do I repay my Haraka loan?

You can repay through M-PESA Paybill 817910 using your registered phone number as the account number. Alternatively, dial *841# and select the repay option from the menu.

3. What happens if I miss a repayment?

Late repayments attract penalties and can negatively affect your credit score. Your loan limit may also be reduced for future borrowing. Always repay on time to avoid these consequences.

4. How long does Haraka take to disburse loans?

Once your application is approved, funds are typically transferred to your M-PESA account within 3 minutes or less.

5. Can I increase my loan limit?

Yes. Consistent on-time repayments will gradually increase your borrowing limit. Being more active on M-PESA (receiving and sending money) and maintaining a good credit history also help increase your limit over time.

6. Can I apply for Haraka loan without a smartphone?

Yes! You can dial *841# on any Safaricom line to access Haraka loans without needing a smartphone or internet connection.

7. Do I need a Facebook account to use Haraka?

Only if you’re using the mobile app. The USSD code *841# does not require a Facebook account.

8. What information does Haraka collect from my phone?

Haraka collects data including contacts, location, installed apps, device information, and M-PESA SMS transaction messages. This data is used solely to calculate your credit score, assess loan affordability, and determine eligibility. Your data is never sold or shared with third parties without your consent.

Responsible Borrowing Tips

• Borrow only what you can comfortably repay within the given period.
• Always check the interest rate and total repayment amount before confirming a loan.
• Repay on time to build a positive credit history and increase your loan limit.
• Avoid taking multiple loans from different apps simultaneously.
• Contact customer support early if you anticipate repayment challenges.
• Use Haraka loans for genuine emergencies or productive purposes.

Customer Support and Branch Locations

Head Office Contact:

📧 Email: kenyainfo@getbucks.com
📞 Phone: +254 (0) 202 434 019

Social Media:

🔗 LinkedIn: linkedin.com/company/getbucks
🐦 Twitter: @GetBucks1
📘 Facebook: @GetBucksKenyaOfficial

Branch Locations:

Kitengela Branch
Third Floor, Newton House, Namanga Road, Kitengela, Kenya
📞 Phone: 079 020 4298

Bungoma Branch
Second Floor, Ebenezah Building, Cathedral Road, Bungoma, Kenya
📞 Phone: 079 020 4294

Kisumu Branch (Central Square)
Ground Floor, Central Square Building, Oginga Odinga Street, Kisumu
📞 Phone: 071 975 2166

Kisumu Branch (Minoki)
First Floor, Minoki Building, Oginga Odinga Street, Kisumu
📞 Phone: 079 020 4292

GetBucks Regional Presence

Haraka Loan App is not limited to Kenya. GetBucks Finance operates across multiple African countries, including:

• Kenya
• Uganda
• Tanzania
• Zimbabwe
• Swaziland (Eswatini)
• Namibia
• Botswana
• Zambia
• Malawi

This wide regional presence demonstrates GetBucks’ commitment to providing accessible financial services across Africa.

Final Thoughts

Haraka Loan App Kenya continues to serve as a trusted pioneer in mobile lending, offering thousands of Kenyans fast and accessible financial solutions. With its dual access options (mobile app and USSD *841#), competitive interest rates, and instant disbursement, Haraka remains one of the most convenient choices for small, short-term loans in Kenya.

The ability to access loans without a smartphone or internet connection makes Haraka particularly inclusive, reaching Kenyans who may not have access to more advanced technology. However, remember to borrow responsibly, understand all charges before taking a loan, and always repay on time to maintain a healthy credit record and unlock higher loan limits for future needs.

Whether you’re facing an emergency, need quick business capital, or require a payday advance, Haraka Loan App provides a reliable, regulated, and accessible solution backed by over a decade of experience in African mobile lending.