Hustler Fund USSD Code is *254# (Mobile Loan 2025 and 2026)

The hustler fund ussd code *254# is the official way for Kenyans to access the government's financial inclusion program directly from their phones.

This service allows you to register, borrow, and manage your loan without needing an internet connection.

How to Register for the Hustler Fund

Before you can apply for a loan, you must first opt-in to the service. The registration process is a one-time setup that verifies your identity and links your mobile number to the fund. You only need to meet a few basic requirements to be eligible.

To join, you must:

• Be at least 18 years old.
• Have a valid Kenyan National ID.
• Use a Safaricom, Airtel, or Telkom SIM card that has been active for more than 90 days.

Follow these steps to complete your registration:

1. On your phone's dialer, enter *254# and press the call button.
2. A welcome menu will appear. Select the option to 'Register'.
3. You will be presented with the terms and conditions. Accept them to proceed.
4. The system will then prompt you to enter your mobile money PIN (e.g., your M-Pesa PIN). This is for verification purposes only.
5. Once your PIN is accepted, you will receive an SMS confirming your successful registration and your assigned loan limit.

How to Apply for a Loan Using the Hustler Fund USSD

After a successful registration, you can immediately request your first loan. The amount you can borrow is determined by your assigned loan limit, which is calculated based on your mobile money history and other credit information. This limit can increase over time with good repayment behavior.

Here is the process for borrowing money:

1. Dial *254# and enter your mobile money PIN if prompted.
2. From the main menu, choose the 'Request Loan' option.
3. The system will show you your available loan limit. Enter the amount you wish to borrow.
4. A confirmation screen will appear, showing the loan amount, the interest, and the repayment period. Review these details.
5. Confirm the transaction to complete your loan application.

Upon confirmation, 95% of the loan amount is sent directly to your mobile money wallet (e.g., M-Pesa). The remaining 5% is automatically deposited into your Hustler Fund savings account.

Checking Your Hustler Fund Loan Limit

Your loan limit determines the maximum amount of money you can borrow from the Hustler Fund. This limit is not fixed; it is designed to grow as you build a positive borrowing history by making payments on time. It is a good practice to check your limit before applying for a new loan.

The process is simple and takes only a few seconds:

1. Dial *254# to open the main menu.
2. Select the option labeled 'Check Loan Limit'.
3. The system will instantly display your current approved loan amount on the screen.

How to Repay Your Hustler Fund Loan

Making timely repayments is the most important part of using the Hustler Fund. It ensures you maintain a good credit score within the system, which allows your loan limit to increase over time. The repayment process is handled entirely through the USSD menu, making it straightforward.

It is important to note that you do not need a separate M-Pesa Paybill number to make a payment. All repayments must be initiated through the official *254# code.

You can choose to pay the loan in full or make partial payments:

1. Dial *254# and select the 'Repay Loan' option.
2. The menu will give you a choice between 'Full Repayment' and 'Partial Repayment'.
3. If you choose 'Full Repayment', the system will show the total amount due.
4. If you choose 'Partial Repayment', you will be asked to enter the specific amount you wish to pay.
5. Confirm the transaction by entering your mobile money PIN to authorize the payment from your wallet.

After a successful payment, you will receive an SMS confirmation with your updated loan balance.

How to Check Your Hustler Fund Savings Balance using USSD Code

A unique feature of the Hustler Fund is its mandatory savings component. Every time you borrow, 5% of your loan amount is automatically directed into a personal savings account within the fund. This scheme is designed to help you build a savings culture for the future.

Your savings are split into two portions: 70% is allocated to a long-term (pension) account, while 30% goes into a short-term savings account which you may be able to access after a certain period. You can easily check the total balance of your accumulated savings at any time.

Follow these steps to view your savings:

1. Dial the *254# code to access the Hustler Fund menu.
2. From the list of options, select 'Savings'.
3. The system will display your total accumulated savings balance on the screen.