Daviva review

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

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Our verdict

Daviva suits Kenyan adults with an active M-PESA account who need a small personal loan the same day. The trade-off is cost: an APR of 912.5% is steep next to a site median of 12%, and 0 KES is the only fee on the schedule.

Key facts

Best for
A small personal loan in Kenya, drawn and repaid quickly through M-PESA.
APR
912.5% (Source, checked September 26, 2026)
Loan amount
KES 500 to KES 30,000 (Source, checked September 26, 2026)
Term
61 to 122 months (Source, checked September 26, 2026)
Arrangement fee
0 KES (Source, checked September 26, 2026)
Funding time
10 minutes (Source, checked September 26, 2026)
Representative example
New customers: KSH 10,000 for 61 days at 2.5% per day, total repayment KSH 25,250 (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Kenyan resident, 18 years or older, active M-PESA account (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Pesakuu Credit Limited (registration no. PVT-V7U2ZKZ) (Source, checked September 26, 2026)
Headquarters
Kenya (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Features
Same-day funding
Official website
daviva.ke

Apps and profiles

Elsewhere
facebook.cominstagram.com

Pros and cons

Pros

  • Funding lands in 10 minutes, and same-day funding is listed as a feature
  • An origination fee of 0 KES means no arrangement charge on top
  • Early repayment is free, so clearing the balance early costs nothing extra
  • Loans run KES 500 to KES 30,000 and terms run 61 to 122, keeping the product small and short

Cons

  • An APR of 912.5% is far above the site median of 12%
  • The representative example shows total repayment far above the amount borrowed, on a daily interest rate
  • Borrowing caps out at KES 500 to KES 30,000, so larger costs still need another lender
Daviva

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Kenyan residents with an active M-PESA account, per the eligibility conditions
  • Adults covering a short gap who can clear the balance within 61 to 122
  • Borrowers who value speed and free early repayment over a low rate

Who should look elsewhere

  • Anyone shopping on rate alone: Monzo Flex lists an APR of 10% to 23%
  • Borrowers needing more than KES 500 to KES 30,000, since Cashspace ES has a different scale entirely
  • Lenders wanting a long repayment habit, given terms stop at 61 to 122

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 APR does Daviva charge?+

Daviva lists an APR of 912.5%. That is well above the site APR median of 12% and above the lower quartile of 6.13%. Cost is the main thing to weigh before applying.

Are there arrangement fees?+

The origination fee is 0 KES, so there is no upfront charge listed on the loan. All the cost sits in the interest charged over 61 to 122.

How much can I borrow and for how long?+

Loan amounts run KES 500 to KES 30,000 and terms run 61 to 122. The term is short by personal loan standards, so the balance has to clear quickly.

How fast is the money?+

Funding takes 10 minutes, and same-day funding is listed among the features. Repayment runs through the mobile money account the eligibility conditions require.

Can I repay early without a charge?+

Early repayment is free, so clearing the balance ahead of schedule costs nothing extra. The representative example also sets out what a full term costs in total.

Who is eligible?+

Eligibility runs to Kenyan residents who are adults and hold an active M-PESA account. Applications sit with Pesakuu Credit Limited, the named legal entity in the UK-free market it serves.

Is Daviva regulated?+

Daviva is licensed in Kenya by the Central Bank of Kenya (CBK). The licence covers its operation in Kenya, and the entity behind the brand is Pesakuu Credit Limited.

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

Daviva

Daviva

A small personal loan in Kenya, drawn and repaid quickly through M-PESA.

9.0/10See alternatives

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