PesaPap Loan App Download and Loan Application 2022

PesaPap Loan App is a Family Bank online banking application. Family Bank created this Wallet application to make banking easier for its users. Customers may use the PesaPap app to process transactions from their bank accounts from the convenience of their cellphones.

The program, available for Android, Windows, and iOS, allows users to automatically pay expenses like water and power bills from their bank account. Furthermore, using the app does not need having a physical Family Bank account. The software will create a virtual account with your cell phone number as the wallet number once you’ve enrolled. The app also has a section where users can apply for a bank loan.

This article includes step-by-step procedures for registering, applying, and requesting a loan using the PesaPap app.

Registering on the PesaPap Loan App

To register, first, you need to download and install the PesaPap app on your device. Here is the procedure for downloading the app.

  • Go to the google play store.
  • Type “PesaPap” in the search box
  • Once the app is found, click the install button.


After App installation, you will have to create a user account. This account is where you will be conducting your transactions. Follow this procedure when registering.

  • Open the PesaPap app on your device
  • Select Open wallet account
  • Set your m-pin
  • Once all the other details are verified, your account becomes active instantly.

You should note that the wallet number is your mobile phone number.

Borrowing from PesaPap Loan App

Once you complete the registration process, the app will analyze your credit records and other parameters to determine the amount of loan you qualify to apply for. To apply for a mobile loan, follow the steps illustrated below.

  • Open the PesaPap App
  • Log in to the PesaPap App
  • Select PesaPap wallet
  • Select My loans
  • Check for your loan limit. (This is the maximum amount of money you can borrow)
  • Select Request Loan
  • Enter the amount you want. (This amount should either be equal to or less than your loan limit)
  • Submit

Once the application has been processed and the loan approved, they will instantly send the money to your PesaPap wallet. You will have to withdraw the funds to your MPESA account if you want to transact offline, or you can directly use the money to pay for the bill from the wallet. The procedure for withdrawing money to the MPESA account is outlined below.

How to withdraw Money to MPESA from PesaPap App

  • Open the PesaPap App
  • Log in to your wallet account
  • Select MPESA
  • Select from Family Bank to MPESA
  • Choose to own mobile
  • Enter your wallet account number as the source
  • Enter amount
  • Submit

The request will be instantly processed and money sent to your MPESA account, ready for whatever use you want it for.

To avoid a negative credit report, you need to repay the loan on time. Also, repaying the loan on time contributes to increasing your loan limit. This limit implies that the more you borrow and repay, the bigger the loan you can get.

How to Repay a PesaPap App Loan

  • Open PesaPap app
  • Log in to your wallet account
  • Select PesaPap wallet
  • Choose My loans
  • Select repay loan
  • Choose source (Loan account)
  • Choose the amount to repay (partial or complete)
  • Proceed

The amount selected will be deducted from your wallet to repay the loan. If your PesaPap wallet is empty, you can transfer money from your Family Bank account into the wallet. For those who do not have a Family Bank account, you can deposit the funds directly into your wallet through MPESA.

Depositing Money to PesaPap Wallet from MPESA

  • Go to the MPESA menu
  • Select Lipa Na MPESA
  • Select PayBill
  • Enter 222111 as PayBill number
  • Input account number (Enter your mobile phone number in this format +254)
  • Enter amount
  • Enter pin, then press okay.

All of the information needed to register for the PesaPap Loan app, request a loan, and repay the loan is listed above. As a result of these procedures, you are now free to use the app.

Visit any Family Bank office near you or phone them at +254703095445 if you have technical issues with your PesaPap account.

Simon Mwangi
Simon Mwangi
As a freelance writer with a background in banking and accounting, Simon has the financial know-how to produce quality content on various topics. His experience gives him a strong foundation in understanding complex financial concepts and communicating them in an easy-to-understand way. Follow him on Linkedin


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