The Hustler Fund is one of the most talked about government initiatives in Kenya — offering instant loans to individuals, SMEs and groups through mobile phones. If you’re wondering how to get it in 2025, here’s a quick step by step guide to get started.

What is Hustler Fund?

Hustler Fund is a financial inclusion initiative by the Government of Kenya to provide low interest loans to underserved citizens. It’s part of a broader economic empowerment agenda to boost small businesses and financial independence.

Types of Loans

  • Personal Loans: Up to Ksh 50,000 instantly on your phone.
  • Micro Loans: For small traders, kiosks and boda boda operators.
  • SME and Group Loans: For registered groups and SACCOs.

Requirements

  • Safaricom, Airtel or Telkom mobile number
  • 18 years or older
  • Valid Kenyan ID (National ID)
  • SIM card must be active for more than 90 days

How to Register

  1. Dial *254# from your mobile phone.
  2. Choose your language (English or Kiswahili).
  3. Choose the type of loan (e.g. Personal Loan).
  4. Accept terms and conditions.
  5. Enter your National ID Number.
  6. Set up a 4-digit PIN.

Once registered, you’ll receive a confirmation SMS. You can then apply for a loan immediately.

How to Apply

  1. Dial *254# again.
  2. Choose Apply for Loan.
  3. Enter the loan amount.
  4. Confirm with your PIN.

The money will be credited to your mobile money wallet (M-Pesa or Airtel Money).

Repayment Terms

  • Loan repayment period is 14 to 30 days depending on the amount.
  • Interest rate is 8% per annum.
  • Repay using the same USSD code *254#.

How to Increase Your Loan Limit

  • Repay your loans on time.
  • Use your line for regular transactions (M-Pesa, Airtime, Data).
  • Maintain good CRB status.

Conclusion

Hustler Fund is changing the way Kenyans get quick credit. Whether you’re a hustler in Gikomba or a mama mboga in Kisumu, the fund is a lifeline to grow your hustle. Always borrow responsibly and repay on time to build your limit.