Fast, transparent micro-loans for everyday needs.
- Apply in minutes — get funds to your M-Pesa quickly and securely.
- Loans from KES 1500 to KES 10,000. Clear terms, no hidden fees.
Why choose KOPALINK
KOPALINK combines speed, transparency and local support to deliver micro-loans that help Kenyans bridge urgent expenses and grow small businesses.
Speed & Instant Decisions
Get an immediate decision after a short application; typical approval in minutes and rapid disbursal to M-Pesa.
Transparent Pricing
We show the full cost of credit — fees, interest and repayment schedule — before you accept any offer.
Responsible Lending
Our credit assessment prioritizes affordability and sustainable repayment to prevent over-indebtedness.
Secure Data Practices
Industry-standard encryption and strict access controls protect customer information.
Local Support
Customer service based in Nairobi with clear channels: in-app chat, email and hotline.
How it works
Borrowing with KOPALINK is designed to be straightforward and transparent. Here's the step-by-step process.
Step 1 — Register & Verify
Download the KOPALINK app, enter your phone number and complete quick KYC with your ID. Verification typically takes minutes.
Step 2 — Check Your Offer
Choose the loan amount and repayment term in the app. We run an affordability check and present a clear loan offer showing total repayment, due date, and any fees.
Step 3 — Accept & Disburse
Tap to accept the offer. Funds are disbursed directly to your M-Pesa account or bank account once the loan is approved.
Step 4 — Repay & Build Trust
Repay via M-Pesa or bank transfer. On-time repayment helps build a positive track record and can increase future loan limits and better terms.
- You will always see the full repayment schedule before confirming.
- Disbursal to M-Pesa is fast — please ensure your M-Pesa account matches your registered phone number.
- If you face repayment difficulties, please contact support to discuss options.
Security & Data Protection
KOPALINK treats customer data as a core responsibility. We employ modern security controls and follow best practices to keep personal and financial information safe.
Do not share your OTP with anyone.
Use device PIN or biometric locks and update your app regularly.
Encryption in transit
All data is transmitted over TLS/HTTPS.
Encryption at rest
Sensitive data is encrypted using strong cryptographic algorithms.
Data minimization
We only collect information necessary for identification, credit assessment and loan servicing.
Local compliance
Commitment to applicable Kenyan data protection regulations and globally recognized standards.
FAQ
Find quick answers to common questions grouped by topic. Use the search bar to find specific topics.
Kenyan citizens and legal residents aged 18–55 with a valid national ID (or passport), an active phone number, and a completed KYC are eligible to apply.
Loan amounts typically range from KES 700 to KES 10,000. Terms depend on the product and your eligibility; common terms include short-term plans up to 120 days. Available options are shown in-app.
Loan limits are based on your KYC information, repayment history with KOPALINK, and affordability checks performed during the application.
Product page content
Simple loan products tailored to your needs — transparent terms, flexible repayment, quick disbursals.
Product: QuickCash :
- - Amount: KES 700 – KES 10,000
- - Term: 61 – 120 days(product-specific)
- - Use cases: emergency expenses, business restock, school fees.
- - How to apply: Register → Complete KYC → Select amount & term → Accept offer → Receive funds.
Pricing & Calculator:
Interactive loan calculator shows example repayments: Input amount and term to display total repayment, fees, and scheduled installments. Example explanatory copy: “All loan offers show the full amount due including all fees — before you confirm.
Responsible lending:
We run affordability checks and limit lending to amounts you can reasonably repay.
