Haraka Loan App: How To Apply, Repay Your Loan, Interest Rate Available and Everything You Need To Know

Learn the Haraka Loan App, an easy-to-use platform for quick loans in Kenya and other countries. Learn how to apply, qualify, and repay loans and tips to increase your loan limit.

Jul 13, 2022 - 19:40
May 14, 2023 - 16:14
Haraka Loan App: How To Apply, Repay Your Loan, Interest Rate Available and Everything You Need To Know
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In the pre-digital era in Kenya, securing a loan was a lengthy, cumbersome process. You had to physically visit financial institutions or join local saving groups known as "Chamas." But the digital age has revolutionized loan acquisition, making it swift and convenient. Among the vanguard of this revolution is the Haraka Loan App.

Before the advent of digital lending, acquiring a loan in Kenya involved significant time and effort. However, with the rise of smartphones and digital platforms, loan acquisition has become straightforward and user-friendly. Haraka Loan App and Mpesa have played a pivotal role in making loans easily accessible to Kenyans.

Haraka Loan App

Unlike traditional loan providers, the Haraka Loan App offers a unique proposition. It's not merely a digital lending platform; it connects reliable lenders to potential borrowers, making it a gateway for loans. The Haraka Loan App is available in multiple countries, including South Africa, Swaziland, Uganda, Zimbabwe, and Kenya.

Eligibility Requirements

Before diving into the loan application process, it's crucial to ensure you meet the eligibility requirements:

  1. You must be between 18 and 60 years old
  2. Have an Android smartphone with internet access
  3. If you're from Kenya, a Safaricom number linked to your M-PESA account is necessary

Applying for a Haraka Loan

Launched in 2011, Haraka Loan is an affiliate of GetBucks, a South African lender. With a rating of 3.1 stars and over 50,000 downloads on Google Playstore, Haraka enjoys a considerable user base.

The loan application process is straightforward:

  • Download the app and sign in using your credentials.
  • Follow the prompts to submit the necessary information.
  • Based on your qualifications, apply for the loan amount you are eligible for.

Repayment of the Haraka Loan

The Haraka Loan carries a 23% interest rate and must be repaid within 30 days. The repayment process is simple and can be completed via Mpesa.

How to Increase Your Loan Limit

Here are some tips to increase your chances of securing a higher loan:

  1. Engage in frequent MPESA transactions.
  2. Regularly borrow from Haraka. The platform values loyalty.
  3. Ensure you repay your loans on time.
  4. Avoid being listed on the Credit Reference Bureau (CRB) to improve your borrowing capacity.

Contacting Haraka Loan App

For any issues or queries, you can reach Haraka via:

  • Kenya Headquarters: Jogoo Road, Donnie Building
  • Phone: +254 (0) 202 434 019
  • Email: [email protected]

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The Haraka Loan App has revolutionized the lending landscape in Kenya and beyond, making loans accessible at the click of a button. While the ease of borrowing can be enticing, it's crucial to borrow responsibly, ensuring you can comfortably repay within the stipulated time.


What is the Haraka Loan App?

The Haraka Loan App is a digital lending platform that provides quick loans to its users.

Who can apply for a loan from Haraka?

Anyone aged between 18 and 60 with an Android smartphone, internet access, and a Safaricom number (for Kenyan users) can apply for a loan through the Haraka Loan App.

How much can I borrow from the Haraka Loan App?

New borrowers can get loans between Ksh 500 and Ksh 5,000, while returning borrowers with a good track record may be eligible for loans between Ksh 1,500 and Ksh 100,000.

What is the interest rate and repayment period for Haraka loans?

The Haraka Loan carries a 23% interest rate and must be repaid within 30 days.

How do I contact the Haraka Loan App team?

You can contact the Haraka Loan App team through their Kenya Headquarters at Jogoo Road, Donnie Building, at +254 (0) 202 434 019 or by email at [email protected].

Joseph Richard Joseph is a graduate of Mathematics and Computer Science (Applied Option). With expertise in Technology and Finance, he brings his knowledge to the field, demonstrating an authoritative understanding of these interrelated areas. Joseph is pursuing a Master's in Software Engineering, further expanding his skill set.