How to Register and Use Hustler Fund in Kenya – Full 2025 Guide

The Hustler Fund is a government initiative that gives affordable loans to Kenyans without collateral — targeting youth, small businesses, and informal workers.

Launched in 2022, the fund has helped millions access credit instantly via mobile. Here’s how you can register, borrow, repay, and grow your loan limit using Hustler Fund in 2025.

What Is the Hustler Fund?

The Hustler Fund is a government-backed financial program aimed at:

• Supporting small and medium-sized businesses

• Empowering unemployed youth

• Providing quick and affordable credit

• Encouraging a savings culture

You can borrow as little as KSh 500 up to KSh 50,000+ depending on your limit and repayment history.

Hustler Fund Requirements

You must:

• Be a Kenyan citizen

• Be 18 years and above

• Have a valid National ID

• Have a registered mobile number (Safaricom, Airtel, Telkom)

• Use mobile money (M-PESA, Airtel Money, T-Kash)

How to Register for Hustler Fund

Method 1: USSD Code

1. Dial *254# on your phone

2. Select Register

3. Accept Terms & Conditions

4. Enter your ID Number and confirm details

5. Wait for confirmation SMS

Method 2: M-PESA App (Safaricom users)

1. Open M-PESA App

2. Tap Hustler Fund

3. Register and accept T&Cs

4. Wait for confirmation

How to Borrow from Hustler Fund

1. Dial *254# or go to M-PESA App

2. Select Loan → Check your loan limit

3. Enter amount to borrow

4. Confirm with your M-PESA PIN

5. Funds are sent to your mobile wallet immediately

5% of the loan goes into your savings account automatically

How to Repay Hustler Fund Loan

• Open your M-PESA or mobile money menu

• Select Pay Loan under Hustler Fund

• Enter the amount you wish to pay

• Confirm

Loans must be paid within 14 days to avoid being locked out.

How to Increase Your Hustler Fund Limit

• Borrow and repay on time

• Use the platform consistently

• Grow your credit score

• Keep your SIM card active

• Avoid defaulting

What Happens If You Default?

• Your loan access is suspended

• Your Hustler Fund savings are locked

• You cannot borrow again until repayment

• It may affect your overall credit standing

Types of Hustler Fund Products

FAQs – Hustler Fund in Kenya

Q: Can I register with more than one line?
No. Only one number per National ID is allowed.

Q: How do I check my Hustler Fund loan balance?
Dial *254# → Loan → Loan Status

Q: Is there interest charged?
Yes. Annual interest rate is 8% per annum on a reducing balance.

Q: What happens to the 5% savings?
You can only access it after repaying loans consistently for 6+ months.

Tips for Success with Hustler Fund

• Always repay on time

• Borrow amounts you can manage

• Avoid using funds on non-productive items

• Use the savings as emergency backup or for future projects