Pesa na Pesa

Pesa na Pesa™ is an innovative mobile phone based borrowing and lending product developed by AVL Capital ltd which offers emergency loans to anyone who needs short term emergency funds. It is an economic stimulant. It is a facility payable within 7 days for amounts up to Kes. 5,000 with a repayment as low as Kes.5,500.However, early repayment is encouraged at no charge, and you stand a higher chance of getting a limit increment.

Funds are disbursed to a customer’s M-pesa account and repayments are sent to AVL CAPITAL Paybill Number 990390 and the account number as the borrowing phone number. We however request our customers to always pay using the borrowing phone number to avoid delays on updating their accounts.


  • Dial *415*33# and follow the system prompts by filling your details.
  • An automatic limit will be given to you.
  • You will get a unique PIN for your account


Dial *415*33# , enter your PIN, and proceed to borrow


Go to Mpesa Menu>Lipa na Mpesa>Paybill Number 990390>Acc Number is your borrowing phone number

After clearing your loan, your limit is automatically restored and you can borrow again.

In case you forget your PIN, just dial *415*33# and select option 2 for Resetting your PIN.

Terms and Conditions