Affordable Loans for Kenyans
Get the financial support you need with flexible repayment options and competitive interest rates. Your dreams are within reach with Nyota Fund.
About Nyota Fund
The National Youth Opportunities Towards Advancement (NYOTA) project is a transformative youth empowerment program led by the Government of Kenya and supported by the World Bank.
🎯 Our Mission
To empower young Kenyans with practical tools and financial support to build a better future. Through NYOTA, we are equipping young people with access to structured savings, affordable loans, and business opportunities to transform their lives and communities.
🌟 Our Vision
A Kenya where every young person has access to affordable financial services and the opportunity to build sustainable livelihoods. We envision a future where youth entrepreneurship drives economic growth and social development across all communities.
Through NYOTA, Young Kenyans are Being Equipped With:
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Affordable Loans
Access to loans from KES 2,500 to KES 50,000 with flexible repayment terms tailored to your needs
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Structured Savings
NSSF's Haba Haba Informal Sector Savings Product to help you build long-term financial security
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Financial Education
Knowledge and skills to manage money effectively and build sustainable businesses that grow
Why Choose Nyota Fund?
We're committed to empowering Kenyans with fast, secure, and affordable loans
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Instant Approval
Get approved in 15 minutes
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Flexible Terms
3-24 month repayment options
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Mobile-First
Apply anytime, anywhere
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Secure
Bank-level encryption
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24/7 Support
Always here to help
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Multiple Payment
M-Pesa, Bank, Cards
Our Mission & Vision
Our Mission
To empower Kenyan communities by providing accessible, affordable, and transparent financial solutions that enable entrepreneurs, farmers, and families to achieve their dreams and build sustainable livelihoods.
We believe every Kenyan deserves access to quality financial services. Through Nyota Fund, we're breaking down barriers to credit and creating opportunities for growth across rural and urban communities.
Our Vision
To become Kenya's most trusted financial partner, recognized for transforming lives through innovative lending solutions and community-centered values.
We envision a Kenya where financial constraints no longer limit opportunity—where every farmer can invest in their harvest, every entrepreneur can launch their dream, and every family can prepare for the future.
Frequently Asked Questions
Everything you need to know about Nyota Fund loans
You can receive loan approval in as little as 15 minutes. Once approved, funds are disbursed directly to your M-Pesa account within 24 hours. Most customers get their money within hours.
Terms & Conditions
Please read our terms carefully
1. Loan Agreement
By applying for a loan through Nyota Fund, you agree to our terms and conditions. All loans are subject to approval based on your creditworthiness and ability to repay.
2. Eligibility
You must be a Kenyan citizen, aged 18 or above, with a valid national ID and active M-Pesa account. You must be employed or self-employed with verifiable income.
3. Loan Amounts & Terms
Loans range from KSH 2,500 to KSH 50,000 with repayment terms from 3 to 24 months. Interest rates start at 18% per annum, depending on loan amount and credit profile.
4. Interest & Charges
Interest is calculated based on the principal amount and repayment period. There are no hidden charges. Late payment penalties of 2% per month apply after due date.
5. Repayment
All repayments must be made through M-Pesa to the designated account. Early repayment is allowed with no penalty. Payments should be made by the due date each month.
6. Default & Consequences
Failure to repay after 30 days will result in default status. Nyota Fund may pursue legal action to recover outstanding debt. Default affects your credit score.
7. Data Privacy
Your personal information is protected under Kenyan data protection laws. We use 256-bit encryption and never share your data with third parties without consent.
8. Modifications
Nyota Fund reserves the right to modify these terms. Any significant changes will be communicated to you via SMS or email with 14 days notice.
Ready to Transform Your Financial Future?
Join thousands of Kenyans who are building better lives with Nyota Fund
Apply Now - It Takes 2 Minutes