How do I get a cash loan on Lipa Later Kenya?

Select Lipa Cash, enter the amount you need (up to your M-Pesa credit limit), choose a repayment period (1–12 months), pay the markup fee upfront via M-Pesa, and submit. We disburse to your M-Pesa within 24 hours after verification. A 20% refundable security deposit is also required for cash loans.

Can I finance school fees with Lipa Later?

Yes! With Lipa Fees, select your school or university, enter their M-Pesa paybill details, and we pay the institution directly on your behalf. You repay us in monthly installments. Available for primary, secondary, college and university fees across Kenya.

What is the maximum loan amount on Lipa Later Services?

Your maximum loan amount depends on your M-Pesa credit score. Score 300–500 = up to KSh 10,000. Score 501–700 = up to KSh 30,000. Score 701–850 = up to KSh 50,000. Score 851+ = up to KSh 100,000. Get your free score at lipamdogomdogoo.co.ke/credit.html

How does the markup work on Lipa Later Services?

You pay the markup fee upfront before we disburse. For 1 month repayment: 12% markup. 3 months: 23%. 6 months: 28%. 12 months: 33%. After paying the markup, you only repay the original principal amount in equal monthly installments.

Do you finance medical bills and hospital fees in Kenya?

Yes! Lipa Med finances hospital bills at all major Kenyan hospitals — KNH, Nairobi Hospital, Aga Khan, Mater, MP Shah, Karen Hospital and many more. We pay the hospital directly. You repay us monthly via M-Pesa.

Lipa Later Services Kenya — Cash Loans, School Fees, Rent, Medical Bills

Choose a Service

Select what you need financed. We pay the provider directly — hospital, school, landlord or any vendor. You repay us in monthly installments.

+20% deposit 💰

Lipa Cash

Instant cash to your M-Pesa. Requires 20% security deposit.

⚡ M-Pesa disbursement

🎓

Lipa Fees

School & university fees paid directly to the institution.

🏫 Direct to school

🏠

Lipa Rent

Rent advance paid directly to your landlord via M-Pesa.

🏘️ Direct to landlord

🏥

Lipa Med

Hospital bills paid directly to the facility. All major hospitals.

❤️ Direct to hospital

⚡

Lipa Bills

KPLC, Nairobi Water, Safaricom, DSTV — all cleared directly.

💡 Direct to utility

🛠️

Lipa Repair

Home or car repair — we pay the contractor directly.

🔧 Direct to contractor

✈️

Lipa Travel

Flights, hotels and packages paid to airline or travel agent.

🌍 Direct to agent

💍

Lipa Events

Weddings, graduations, funerals — we pay the venue or caterer.

🎉 Direct to vendor

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You need to be signed in. Your M-Pesa credit score will be checked automatically to confirm your limit.

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💰

Lipa Cash

Instant cash to your M-Pesa

⚠️ No credit score found. You need to complete a free M-Pesa credit score check before applying. Get your score →

Select Provider *

🔍

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Amount Needed (KSh) *

Repayment Period *

Purpose / Additional Details

Our team reviews within 24 hours and contacts you before disbursing.

🎉

Application Submitted!

We received your application and M-Pesa payment code. Our team will verify and pay the provider within 24 hours.

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Pay for Anythingin Easy Installments

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Lipa Cash

Pay for Anything
in Easy Installments