Haraka Loan Kenya – Haraka Loan App, a dynamic mobile money lending platform, is making a significant impact in Kenya by providing fast and accessible loans through M-PESA. Owned by Getbucks, Haraka is dedicated to offering financial solutions not just in Kenya but across Africa, particularly catering to unbanked individuals and those in informal businesses. seeIs Nomba legit?
A quick overview of Haraka Loan Kenya
Haraka Loan Kenya is a prominent mobile money lending platform, offering fast and accessible loans to a wide range of borrowers through M-PESA. Owned by Getbucks, Haraka distinguishes itself by targeting not just the employed and business entities, but also unbanked individuals and those in informal sectors across Kenya and other parts of Africa. The app facilitates small, quick loans, ranging typically from Ksh 500 to Ksh 5,000, catering to immediate financial needs. Users can download the Haraka Loan app on Android devices from the Google Play Store, and registration requires a Facebook account or a mobile phone number, along with an active M-PESA account for loan disbursement. The platform’s focus on easy access, fast processing, and convenient repayment within 7 to 30 days positions Haraka as a go-to choice for individuals seeking quick financial solutions. visitHow to Write an Application Letter for Zambia Police Recruitment
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What is Haraka Loan Kenya?
Haraka, a division of Getbucks, differentiates itself by focusing on quick loans for a broader audience. While Getbucks primarily serves employed individuals and stable businesses, Haraka extends its services to almost anyone, especially those who might not have traditional banking access.
Eligibility criteria of Haraka Loan Kenya
To be eligible for a Haraka Loan in Kenya, applicants typically need to meet several key criteria. These requirements ensure that borrowers are well-suited for the loan and can manage the repayment effectively. The general eligibility criteria for Haraka Loan Kenya usually include: visit How to Retrieve Your WAEC Registration Number
- Kenyan Resident: The service is designed specifically for residents of Kenya.
- Age Requirement: Applicants must be of legal age, which is typically 18 years and above in Kenya.
- Active M-PESA Account: Since Haraka disburses loans through M-PESA, applicants must have an active M-PESA account.
- Android Smartphone: The Haraka Loan App is available on the Google Play Store, so having an Android smartphone is necessary to download and use the app.
- Social Media Account: Registration on the Haraka app often requires a Facebook account. This is used for identity verification and as part of the credit assessment process.
- Valid Identification: A national ID or any other valid form of identification is required to verify the borrower’s identity.
- Creditworthiness: Haraka may assess an applicant’s creditworthiness based on their M-PESA transaction history and other factors. This assessment helps determine the loan limit and terms for each borrower.
It’s important for potential borrowers to check the latest requirements and updates either directly through the Haraka app or its customer service, as these criteria can be subject to change. Meeting these eligibility criteria is a crucial step in successfully applying for a loan with Haraka in Kenya.
Step-by-step instructions for applying for a Haraka Loan Kenya
Step 1: Downloading the App
- Access the Google Play Store:
- Open the Google Play Store on your Android smartphone.
- Use the search bar to look for “Haraka Loan App”.
- Download and install:
- Find the Haraka app in the search results and select it.
- Click on the “Install” button to download and install the app on your device.
- Ensure you have a stable internet connection for a seamless download.
Step 2: Registration Process
- Open the Haraka App:
- After installation, tap on the Haraka app icon to open it.
- Sign Up for an Account:
- You will be prompted to sign up for an account.
- You can choose to register using your Facebook account, which streamlines the process by using your existing Facebook profile details.
- Alternatively, you can sign up using your mobile phone number. In this case, you may be required to verify the number through a confirmation code sent via SMS.
- Link Your M-PESA Account:
- As loans are disbursed through M-PESA, ensure that you have an active M-PESA account linked to your mobile number.
- The details you provide during registration should match those associated with your M-PESA account to ensure smooth transactions.
Step 3: Setting Up Your Profile
- Complete Your Profile:
- Fill in any additional required details to complete your profile setup.
- This may include personal information, contact details, and financial information.
- Creditworthiness Assessment:
- Haraka may assess your creditworthiness based on the details provided. This could involve evaluating your M-PESA transaction history and other financial behaviors.
- Your loan limit and terms will be determined based on this assessment.
Loan Features: Interest Rates and Limits
- Loan Range: Haraka offers loans from as little as Ksh 500 to a maximum of Ksh 5,000.
- Flexible and Quick: The application process is straightforward, and once approved, the loan amount is sent directly to your M-PESA account within minutes. seeHow To Retrieve Neco Registration Number
Repaying Your Haraka Loan kenya
- Repayment Period: Loans come with a repayment period ranging from 7 days to a maximum of 30 days.
- Easy Repayment: Repayments can be made conveniently through M-PESA.
How Haraka Loan kenya Works
- Invite Friends and Family: Like other major loan apps, Haraka allows users to invite friends and family. This feature enables referrers to increase their level and potentially unlock larger loan amounts.
Why Consider Haraka Loan Kenya?
- Quick Loans Alternative: If you’ve used other loan apps like Tala, Branch, or Saida, Haraka is worth trying. It stands out for its quick disbursement and user-friendly approach, ideal for those in need of rapid financial assistance. seePesoredee Philippines Is Legit Or Not
Contacting the Haraka loan kenya Support Team
For Current Haraka Loan App Users
- Accessing Support from the App:
- Log In: Open the Haraka Loan App and log in to your account.
- Navigate the Menu: Tap on the menu icon, usually located in the top left corner of the app.
- Select Support Option:
- Email Support: Choose ‘Email Support’ to compose and send an email directly through the app.
- Phone Support: If you prefer to speak to a support representative, select ‘Phone Support’ to view the contact numbers.
For Non-Users or Potential Users
If you haven’t downloaded the Haraka Loan App or are unable to access it, you can still reach out to the support team using the following contacts:
- Email Support:
- Send an email to kenyaharaka@getbucks.com for any queries or assistance. This is a convenient option for detailed inquiries or if you need a written record of your communication.
- Phone Support:
- Call the support team directly at 0770637594. This option is suitable for immediate assistance or when seeking verbal clarification on various issues.
- Social Media:
- Reach out through their Facebook page at fb.me/getbuckskenya2. Social media channels can be a quick way to get responses, especially for general inquiries.
