Lendplus review

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

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Our verdict

Lendplus is a Kenyan direct lender for M-Pesa borrowers who need a small personal or payday loan the same day, with amounts of KES 1,000 to KES 200,000 and terms of 2 to 12. The trade-off is cost: rates run 3.65% to 803%, and settling a loan early is not free.

Key facts

Best for
Small same-day personal and payday loans paid straight to M-Pesa.
APR
3.65% to 803% (Source, checked September 26, 2026)
Loan amount
KES 1,000 to KES 200,000 (Source, checked September 26, 2026)
Term
2 to 12 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Decision in 1-15 minutes; funds sent to M-Pesa usually within minutes once approved and confirmed (Source, checked September 26, 2026)
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Kenyan resident aged 23-62, valid National ID, active M-Pesa number, stable source of income (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Aventus Technology Limited (Source, checked September 26, 2026)
Headquarters
Kenya (Source, checked September 26, 2026)
Founded
2021 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
lendplus.ke

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Same-day funding, same day funding, with approved money usually sent to your M-Pesa within minutes.
  • A Central Bank of Kenya digital credit provider licence, CBK/DCP/2025/89, held by Aventus Technology Limited.
  • Fixed-rate personal and payday lending, fixed rate, in terms of 2 to 12.
  • Support by email, phone and help centre, so phone, email and a help centre are all open to you.

Cons

  • Rates run 3.65% to 803%, a wide spread, so a larger balance over a longer term costs a good deal more.
  • Free early repayment: no, so settling a loan ahead of the agreed schedule can add cost.
  • The credit check is hard, hard, so an application is recorded on your credit file.
Lendplus

Ready to try Lendplus?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • M-Pesa users in Kenya who need a small personal or payday loan the same day.
  • Adults with a valid National ID and a stable source of income, within the stated age range.
  • Borrowers who prefer a direct lender on a fixed rate rather than a broker.

Who should look elsewhere

  • Anyone who plans to clear a loan ahead of schedule: free early repayment is no, so read the early settlement terms before choosing, and weigh an alternative such as Monzo Flex at the same time.
  • Borrowers with a thin credit file, because the check is hard, hard; Cashspace and Cashspace ES, at PHP 12 to PHP 36 and 0%, sit in a different market.
  • Anyone benchmarking against 10% to 23% at Monzo Flex should weigh that against 3.65% to 803% here and confirm the market matches before drawing a conclusion.

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 can I borrow from Lendplus?+

Lendplus offers personal and payday loans, personal and payday, and lists home improvement as a use case, home improvement. Borrowing runs KES 1,000 to KES 200,000, so the amounts are aimed at smaller jobs and short-term needs rather than a major purchase spread over years.

How much will a loan cost me?+

Rates run 3.65% to 803%, and that spread is wide because the daily rate is weighed against the term you choose. The published representative example shows the same borrowing at a discounted minimum daily rate and at a higher daily rate, with the total cost far higher on the second, so ask for the daily rate before you commit.

Is Lendplus regulated?+

Lendplus trades as Aventus Technology Limited and holds a Central Bank of Kenya digital credit provider licence, CBK/DCP/2025/89. It lends as a direct lender, direct lender, so you deal with the lender rather than a broker or a marketplace.

How quickly do I get the money?+

Same-day funding is offered, same day funding. A decision normally comes back within a short window, and once you are approved and confirm your details the money is usually sent to your M-Pesa account within minutes, so keep your phone close at hand.

Who can apply?+

You need to be a Kenyan resident within the stated age range, with a valid National ID, an active M-Pesa number and a stable source of income. The check is hard, hard, so a decision rests on your credit history as much as on your income.

How long do I have to repay?+

Terms run 2 to 12, which suits a cost you expect to clear quickly rather than a long borrowing. Free early repayment: no, so if your income might change or an emergency arrives, ask about the early settlement terms before you accept.

Can I repay early without a penalty?+

Free early repayment: no. Settling ahead of the agreed schedule does not come without cost, so the balance can move up rather than down if you clear it sooner. Read the early settlement terms first, because they decide what you pay on the last payment.

How do I get help once I have an account?+

Support runs on email, phone and help centre. If a repayment date is close, phone is the direct option; email and the help centre suit questions about a decision, a statement or the terms of your loan.

Is the cost competitive with other personal loans?+

The median APR across personal loans listed on BorrowCue is 12.25%, while Lendplus quotes 3.65% to 803%. The lower end of that range sits below the median and the upper end well above it, so the rate you are actually offered matters more than the headline.

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

Small same-day personal and payday loans paid straight to M-Pesa.

8.8/10See alternatives

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